ITI SIP Calculator
Estimate future returns and set goals with our ITI SIP calculator. Start growing your wealth with Systematic Investment Plan (SIP) today!
Investment vs returns
Total value of investment
₹ 4,12,431.83
Invested amount
₹ 3,00,000.00
Total returns
₹ 1,12,431.83
Year wise return summary
SIP payment schedule starting
ITI SIP Calculator
Systematic Investment Plans (SIPs) enable you to develop your wealth over time by making small investments at regular intervals. If you also invest in mutual fund SIPs, the ITI SIP Calculator can help you plan investments aligning with your financial objectives.
The calculator helps you identify the finest mutual fund scheme to match your needs.
How does an ITI SIP Calculator work?
An ITI SIP Calculator is an online tool that allows users to evaluate the possible profits from mutual fund SIP. It performs complex calculations within seconds to give the probable future value of your investment based on monthly contribution amount, estimated return rate, and investment period.
Formula to calculate ITI SIP returns
The online SIP calculator uses a simple formula to generate a forecast value for your assets over the specified period:
FV = P x ({[ 1+ i] ^ n -1} / i) x (1+i)
Here,
- FV = Future value (final payout at maturity)
- P = Principal investment while starting the SIP
- i = Annual interest rate (compound interest) in percentage/12
- n = Number of months or investment duration
Benefits of investing through SIPs
- SIP provides regular investing which helps in disciplined savings.
- Rupee cost averaging in SIPs minimises the impact of market fluctuation on your investments.
- Compounding leads to long-term wealth growth.
- Anyone can start SIP investments with as little as ₹100 per month.
- SIP offers the flexibility to pause or switch investments as needed.
- Mutual fund SIP gives diversification which helps to spread risk across many investments.
How to use the ITI SIP calculator?
To utilise the ITI SIP Calculator, follow these steps:
- Open the ITI SIP Calculator.
- Choose the monthly investment amount.
- Choose an investment period.
- Enter your projected rate of return.
The ITI SIP calculator will show you how much profit you could make.
How can ITI SIP Return Calculator help you?
- Growth Estimation: The online tool shows how regular payments can boost your investments.
- Future Returns: ITI SIP Return Calculator predicts future returns depending on investment amount and duration.
- Budget Planning: It facilitates fund allocation for attaining reasonable goals.
- Scenario Analysis: Allows easy comparison between different investment options.
- Track Progress: Monitor your progress toward financial goals.
Examples of ITI SIP Growth
Example 1:
- Monthly Investment: ₹3,000
- Duration: 5 years
- Expected Annual Rate of Return: 10%
- Total Investment: ₹3,000 × 12 months × 5 years = ₹1,80,000
- Expected gain: ₹54,247
- Future Value: Approximately ₹2,34,247
Example 2:
- Monthly Investment: ₹2,000
- Duration: 5 years
- Expected Annual Rate of Return: 15%
- Expected Gain: ₹59,363
- Total Investment: ₹2,000 × 12 months × 5 years = ₹1,20,000
- Future Value: Approximately ₹1,79,363
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