SIP Calculator
SIP Calculator: Estimate Your Mutual Fund Investment Journey
Estimate Your SIP Returns Before You Invest
A long-term investment journey may involve changing goals, increasing contributions, additional investments, and future withdrawals.
The Hexo Wealth SIP Calculator helps you estimate how your investment portfolio may grow by considering your current portfolio value, monthly SIP, Step-Up SIP, additional lumpsum investments, and future withdrawals in one calculation.
You can also adjust future withdrawals for inflation and evaluate different scenarios based on your selected investment tenure and Expected Returns (p.a.). The calculator provides an illustrative year-by-year view of how your portfolio may change over time.The result is an estimate based on assumptions and not a prediction or guarantee of future mutual fund returns.
Why a SIP Calculator Is Useful Before Investing
Investing through a SIP is not only about deciding how much to invest every month. It is also useful to understand how your investment amount, tenure, additional investments, withdrawals and return assumptions may interact over a longer period.
A SIP Calculator can help you explore questions such as:
How could my SIP build over 10, 20 or 30 years?
What difference could increasing my SIP every year make?
What happens if I add a lumpsum investment in a future year?
How could a large withdrawal for an important goal affect the portfolio afterwards?
How does changing the investment tenure or Expected Returns (p.a.) change the illustration?
The calculator does not predict what a mutual fund will actually return. It simply uses the assumptions entered to provide a mathematical illustration. This distinction is important because mutual fund communications should not present illustrative returns in a way that could be understood as assured or guaranteed outcomes.
What Makes the Hexo Wealth SIP Calculator Different?
Most basic SIP calculators primarily focus on three inputs: Monthly SIP, Investment Period, and Expected Return. The Hexo Wealth Mutual Fund SIP Calculator considers additional factors that may arise during a real long-term investment journey, helping you evaluate a more practical investment scenario.
01
Start With Your Current Portfolio Value
Already investing towards your goal? Enter your Current Portfolio Value to include your existing mutual fund investments in the calculation. The calculator uses this as the starting value to illustrate how future SIPs may contribute to your overall investment journey. This helps you understand the potential growth of your combined investments over time.
02
Add a Step-Up SIP
Already investing towards your goal? Enter your Current Portfolio Value to include your existing mutual fund investments in the calculation. The calculator uses this as the starting value to illustrate how future SIPs may contribute to your overall investment journey. This helps you understand the potential growth of your combined investments over time.
03
Add Future Lumpsum Investments
The Additional Lumpsum feature helps you include future one-time investments such as bonuses, maturity proceeds, or planned funds. You can enter the investment year and amount, and add multiple future lumpsum contributions where required. This allows you to understand how additional investments made during your SIP journey may impact your overall portfolio growth over time.
04
Account for Future Withdrawals
The Future Withdrawals feature helps you include planned expenses such as education, home purchase, or other life goals during your investment journey. You can enter the withdrawal year, today’s goal value, and inflation rate to estimate the future withdrawal amount. The calculator adjusts for inflation and shows how withdrawals may impact your portfolio growth over time.
05
Review a Year-Wise Schedule
The calculator also provides a Year-Wise Schedule showing how your portfolio changes from one year to the next throughout the selected investment period. It helps you track the impact of additional investments, withdrawals and estimated growth over time, giving you a clearer view of your investment journey.
How Much Can Your SIP Grow Over Time?
A longer investment horizon gives your investments more time to potentially participate in market growth and for compounding to play a role.
For mathematical understanding, consider the following illustration assuming a constant 12% annual return, without considering an existing portfolio, Step-Up SIP, additional lumpsum investments or withdrawals:
| Monthly SIP | Investment Period | Illustrative corpus |
|---|---|---|
| ₹5,000 | 20 Years | Approx. ₹46 Lakhs |
| ₹10,000 | 20 Years | Approx. ₹92 Lakhs |
| ₹20,000 | 20 Years | Approx. ₹1.84 Crore |
Important: The above figures are mathematical illustrations based on an assumed constant return of 12% p.a. They are not expected, assured or guaranteed mutual fund returns and should not be interpreted as a forecast. Actual mutual fund returns are market-linked and may vary significantly. This qualifying context is important whenever illustrative return figures are shown.
Who Should Use This SIP Calculator?
First-time Mutual Fund Investors
Existing SIP Investors
Portfolio Holders
Salaried Professionals
Self-Employed Individuals
Child Education Planners
Retirement Planners
Wealth Creation Investors
Future Lumpsum Investors
What Does the SIP Calculator Show?
Once all inputs have been entered, the calculator provides:
Starting Monthly SIP
Represents the starting SIP amount used to begin the investment illustration and estimate future growth. It helps determine your long-term investment potential, projected returns, and overall wealth creation journey.
Total Lumpsum Invested
The total of all additional lumpsum investments included during the selected period, along with their contribution to the overall portfolio growth. It helps understand the impact of future one-time investments on your SIP journey.
Total Withdrawals
The total inflation-adjusted withdrawals considered during the illustration. It shows the combined impact of planned future withdrawals on your investment journey and portfolio value. This helps evaluate future cash flow needs.
Final Portfolio Value
The estimated portfolio value remaining at the end of the selected investment period based on the assumptions entered. It reflects the potential value after considering investments, returns, and withdrawals over time.
Net Invested
The calculator’s net amount considered after incorporating the current portfolio value, SIP contributions, additional lumpsum investments, and withdrawals according to its methodology. It reflects the invested amount adjusted for selected inputs.
Estimated Gain
The mathematical difference between the illustrated Final Portfolio Value and Net Invested amount. These values are estimates based on the assumptions entered and are not assurances of actual investment outcomes.
Benefits of Using a SIP Calculator
01
Estimate the future value of SIP investments based on selected assumptions and understand potential portfolio growth over time.
02
Compare different monthly SIP amounts to evaluate how contribution levels may affect future investment value.
03
Compare different investment periods to understand the impact of staying invested for longer durations.
04
Understand the mathematical impact of increasing your SIP over time and how Step-Up contributions may influence growth.
05
Add planned future lumpsum investments to include additional contributions expected during the investment journey.
06
Understand how withdrawals could affect the remaining portfolio and the potential sustainability of your investments.
07
Compare different Expected Returns (p.a.) assumptions to evaluate various return scenarios for illustration purposes.
08
Connect investment illustrations with goals such as retirement or child education to align investments with long-term financial objectives.
How Does a SIP Calculator Work?
Current Portfolio Value
Enter the current value of the portfolio that you would like to include in the calculation. This becomes the starting portfolio value for the illustration.
Starting Monthly SIP
Enter the monthly amount you plan to invest through a Systematic Investment Plan. You can keep it unchanged or increase it yearly using the Step-Up SIP feature.
Step-Up SIP
Choose to keep your SIP unchanged or increase it annually by a fixed percentage or ₹ amount to compare different contribution patterns and future growth scenarios.
SIP Tenure
Enter the investment period for your SIP calculation. The calculator supports a tenure range of 1 to 40 years to estimate your potential investment growth over time.
Expected Returns (p.a.)
Enter the Expected Returns (p.a.) to estimate future portfolio value. This assumed rate is for illustration only, and actual mutual fund returns may vary with market performance.
Additional Lumpsum Investments
Enter future additional investments with the expected investment year. The amount is considered at the start of the selected year for calculation.
Common SIP Planning Mistakes Investors Should Avoid
Treating Expected Returns as Guaranteed Returns
The Expected Returns (p.a.) entered into the calculator are assumptions used for mathematical calculation. Mutual fund returns are market-linked and cannot be treated as fixed or guaranteed.
Looking Only at the Final Corpus
A large future portfolio number may not tell the entire story. If you expect to withdraw money for education, a home, marriage or another financial goal before the end of the investment period, those cash flows should also be considered.
Ignoring Inflation in Future Goals
A goal costing ₹10 lakh today may cost substantially more several years later. Considering an inflation assumption can help create a more realistic mathematical estimate of the amount that may be required.
Assuming Your SIP Must Remain Unchanged
Your ability to invest may change as your income and financial responsibilities evolve. The Step-Up SIP feature can help you compare how increasing your contribution could affect the illustration.
Ignoring Existing Investments
If you already have a portfolio dedicated towards the same goal, considering its current value can provide a more complete picture than calculating future SIPs from zero.
Making Decisions Based on Short-Term Market Changes
Investment decisions should be considered in the context of your financial goal, investment horizon, circumstances and risk profile rather than only short-term market movements.
Why Investors Choose Hexo Wealth
A calculator can show you numbers, but the more important question is what those numbers mean in the context of your actual financial goals.
Hexo Wealth Associates LLP is an AMFI-registered Mutual Fund Distributor | ARN-353817. We help investors understand and evaluate suitable mutual fund investment options based on their financial goals, investment horizon, financial circumstances, and risk profile.
Whether you are investing for retirement, your child’s education, or another long-term goal, the focus is on aligning mutual fund investments with the purpose for which the money is being accumulated. The calculator helps you understand different mathematical scenarios, while mutual fund schemes should be evaluated separately based on their suitability, features, and associated risks.
Turn Your SIP Calculation Into an Investment Discussion
Your SIP Calculator result is an estimate based on the information and assumptions entered today.
Your actual investment journey may look very different.
Your income may change. Your SIP may increase. You may invest additional lumpsum amounts. You may withdraw money for important goals. And market returns will vary over time.
So rather than looking only at the largest number produced by the calculator, use the illustration to better understand how your investments and future cash flows may interact over the years.
Frequently Asked Questions About the SIP Calculator
A SIP Calculator is an online financial tool that estimates how investments made through a Systematic Investment Plan may build over a selected period based on an assumed rate of return.
By entering your monthly SIP, investment tenure and Expected Returns (p.a.), you can estimate your investment value under different mathematical scenarios.
The Hexo Wealth SIP Calculator additionally allows you to consider your current portfolio value, Step-Up SIP, future lumpsum investments and inflation-adjusted withdrawals.
The results are illustrations and do not represent assured or guaranteed mutual fund returns.
There is no single SIP amount that is suitable for everyone.
The amount can depend on factors such as the financial goal, estimated amount required, investment horizon, existing investments, income and financial circumstances.
A SIP Calculator can help you compare different monthly investment amounts and understand how they affect the illustration.
SIP amounts can generally be modified or additional SIPs can be initiated subject to the facilities and processes available with the respective mutual fund.
The Hexo Wealth calculator allows you to illustrate a yearly Step-Up either as a percentage increase or fixed rupee increase.
This helps you understand how gradually increasing the monthly contribution changes the mathematical estimate.
The Additional Lumpsum feature allows you to include an amount that you expect to invest at a future point during your investment journey.
Simply enter:
Year Number + Lumpsum Amount
and the calculator includes that investment at the start of the selected year.
Multiple future lumpsum investments can also be included.
Enter the year in which the money may be required, the estimated cost in today’s value, and the inflation rate you want to assume. The calculator adjusts the amount using the selected inflation assumption until the chosen year and considers the inflation-adjusted withdrawal at the start of that year. This helps illustrate future requirements such as education or other major financial goals.
A SIP and Fixed Deposit are different investment options. A SIP is a method of investing regularly in a mutual fund scheme, where the investment value and returns are linked to market performance. A Fixed Deposit is a deposit product that offers an applicable interest rate based on the terms and conditions of the deposit-taking institution. The suitable option depends on factors such as financial goals, investment horizon, liquidity needs, and risk preference.
A SIP can provide a structured way to invest a predetermined amount regularly into mutual funds. However, being a first-time investor does not automatically make every mutual fund scheme suitable.
The underlying mutual fund should still be evaluated based on factors such as its investment objective and risk, along with the investor’s financial goal, investment horizon and risk profile.
No.
A SIP is simply a method of investing periodically into a mutual fund scheme. It does not guarantee a particular rate of return, maturity value or achievement of a financial goal.
Mutual fund investments are market-linked, and actual investment outcomes can differ from the estimates shown by the calculator. SEBI’s framework requires mutual-fund communications not to present misleading promises or forecasts and to give appropriate importance to investment risks.
Important Calculator Disclaimer
This SIP Calculator is provided for educational and illustrative purposes only. The results are mathematical estimates based on the information and assumptions entered by the user and should not be considered a forecast, assurance or guarantee of mutual fund returns or achievement of any financial goal.
The Expected Returns (p.a.) entered in the calculator are assumed to remain constant throughout the selected period solely for calculation purposes. Actual mutual fund returns are market-linked, will fluctuate over time and may differ materially from the illustration.
The values displayed under Final Portfolio Value, Net Invested and Estimated Gain are calculated based on the inputs and methodology used by the calculator and should be treated as illustrative estimates only.
Additional lumpsum investments and withdrawals are assumed at the start of the selected year. Future withdrawal amounts are calculated using the inflation assumption entered by the user. The illustration may not account for taxation, exit loads or other costs/transaction-related impacts that may apply to actual investments.
Hexo Wealth Associates LLP | AMFI-registered Mutual Fund Distributor | ARN-353817
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.