SIP Calculator

Monthly Investment

Expected return rate (p.a)


Time Period (Years)

Invested Amount


Est. Returns

Total Value

What is a SIP Calculator?

A SIP (systematic investment plan) calculator is an easy-to-use tool that enables you to calculate the estimated returns on your mutual fund investments that you have made through SIPs or a Systematic Investment Plan.  

Navi’s SIP calculator is designed for investors to get an idea of the estimated returns on mutual fund investments made via SIP. You can get a rough estimate of the maturity amount for your monthly SIP, depending on an estimated annual rate of return.

How to Calculate SIP?

You can use the Navi SIP Calculator to get a better understanding of the returns that you could get on mutual fund investments you have made through SIPs. This easy-to-use online calculator is extremely easy-to-use and intuitive.
Here’s how you can calculate expected returns on your SIPs:

Select the monthly investment amount

Choose your monthly investment amount with the help of a slide bar

Select your investment horizon

Choose the time period or for how long you plan to invest

Select expected rate of return

Select the expected rate of return based on your SIP plan

Once done, you would be able to view estimated returns via your SIP investments in a matter of seconds.

What is the Formula to Calculate SIP?

The online SIP calculator works on the following formula:

M = P x ({[1 + i] n-1}/i ) x (1 + i) where, 

Where the variables indicate the following:
M = the amount you will receive on maturity
n = the number of payments you have made
P = the amount you have invested at regular intervals
i = the periodic interest rate

For example, let’s say your monthly SIP investment is ₹10,000, the expected rate of return is 12% and your investment tenure is 10 years. Upon using the above formula, your estimated returns on your investment would be ₹11,23,391. So, on a ₹12 lakh investment, you would get ₹23,23,391.

Advantages of Using Navi SIP calculator

Some of the benefits of our SIP calculator are listed below:

Responsive interface

The user-friendly and responsive interface facilitates easy navigation

Get accurate results

Get quick and accurate results within a matter of seconds

Helps you plan better

Get estimated returns value in seconds and plan your SIP investments accordingly

Frequently asked questions

A systematic investment plan (SIP) is a way of investing in mutual funds that enable investors to invest in a disciplined manner. Investors can use SIPs to invest a fixed amount at predetermined intervals for a fixed tenure in a certain preferred mutual fund scheme.
SIPs are one of the best forms of investment if done consistently for a fixed period. SIPs are a great medium of investment if you have limited knowledge about the investment market and if you want to invest to meet long-term goals
SIP investments in ELSS funds are eligible for a tax deduction up to ₹1.5 lakh from your taxable income under Section 80C of the Income Tax Act.
Yes. The rate of return on SIPs can vary depending on the market conditions and the mutual fund scheme opted for.
There’s no maximum limit on the amount you can invest in mutual funds via SIPs. However, the minimum amount you must invest is ₹500 per month.
There is no limit on the maximum tenure of the SIP. While there is no minimum tenure, one can get significant returns if they stay invested for a minimum of 3 years.
You can use Navi’s SIP calculator to compare different SIP plans so you have an accurate idea of how much to invest to generate returns that are enough to meet certain long-term goals.
Using Navi’s SIP calculator is simple and hassle-free. It saves the time taken to manually calculate SIP returns.

Disclaimer: Mutual fund investments are subject to market risks, read all scheme-related documents carefully.
Navi does not guarantee the accuracy, completeness, or correct sequence of any details provided therein. Therefore no reliance should be placed by the user for any purpose whatsoever on the information contained or data generated herein or on its completeness or accuracy. The use of any information set out is entirely at the user’s own risk.


Mar 2

How To Invest In Systematic Investment Plans (SIPs) Online?

Want to invest in mutual funds through SIP? Click here to know more on how to invest in SIP in few easy steps!

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