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SBI SIP Calculator

Returns Estimator

Estimation is based on the past performance

ENTER AMOUNT

Select Duration
Yrs
1 Yr 30 Yrs
Expected Rate of Return
%
8% 30%
Step Up
%
0% 100%

ENTER AMOUNT

Select Duration
Yrs
1 Yr 30 Yrs
Expected Rate of Return
%
8% 30%

The total value of your investment after   years will be

0

Invested Amount

Est. Returns

Returns Estimator

Estimation is based on the past performance

Expected Target Amount

Select Duration
Yrs
1 Yr 30 Yrs
Expected Rate of Return
%
8% 30%
Step Up
%
0% 100%

For next   years, your monthly investment will be

0
Years Investment Amount Interest Earned Maturity Amount

1

₹10,800

₹793

₹11,593

2

₹10,800

₹793

₹11,593

3

₹10,800

₹793

₹11,593

4

₹10,800

₹793

₹11,593

5

₹10,800

₹793

₹11,593

6

₹10,800

₹793

₹11,593

7

₹10,800

₹793

₹11,593

Disclaimer: Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing. Past performance is not an indicator of future returns. Learn More

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What Is the SBI SIP Calculator?

SIP is an investment strategy in which the investors can regularly invest a fixed sum into a mutual fund scheme at predefined intervals. Different banks offer different SIP schemes and help investors meet their financial goals. However, before investing in one, they must know the estimated returns their investment would yield and compare different plans to make the right decision. Online SIP calculators facilitate this return calculation and comparison. Among these is the SBI SIP calculator. The SBI SIP calculator is a powerful online tool which provides accurate and instant calculations for systematic investment plans in SBI mutual funds.

You can calculate the value of your SIP investments and the potential returns on your investments through the online SBI SIP calculator. It also helps determine how much you need to invest monthly in the SBI mutual funds to achieve a specific financial objective. If you are also looking for a way to determine your investment strategy, the online SBI SIP calculator can help.

How Does the SBI SIP Investment Calculator Work?

The SIP calculator considers the amount of SIP investment, the duration of the investment, and the expected rate of returns on your SIP. It uses a mathematical formula to calculate the estimated return on your SIP along with its future value at the end of the SIP duration. Alternatively, you can calculate the amount you must invest as a monthly SIP to achieve a specific financial goal.

SBI SIP Calculator Formula

The SBI SIP calculator formula requires you to input three variables to compute anticipated returns upon maturity. The formula is below:

SIP Returns = P × ({([1 + i] ^n) – 1} / i) × (1 + i)

Here, P stands for the amount invested every month in the SIP

i stands for the expected return rate on the SIP investments, and 

n stands for the tenure in months

Here is an example to understand the formula. 

Let us say you create an SBI SIP of Rs. 5,000 for 10 years with an expected return rate of 10% per annum.

The total investment amount would be Rs. 6,00,000, and the total value of the investment would be Rs. 10,32,760.

How To Use the SBI SIP Calculator Online?

The online SBI SIP calculator is straightforward and easily accessible to everyone. You can access it on Angel One platform and get the estimations in seconds by just inputting details like SIP amount, investment duration and rate of return. Below are the steps to use the SBI SIP calculator online:

Step 1: Enter the amount you wish to invest as SIP

Step 2: Use the slider to adjust investment tenure

Step 3: Input the expected return rate on the investment using the slider

The calculator will yield the estimated value of your investment at the end of the SIP tenure, along with estimated returns.

Additionally, the online SBI SIP calculator on Angel One also makes it possible to estimate the monthly amount you’d need to invest to reach a specific financial goal. This is possible using the target amount tab, where you can enter the amount you expect, the duration and the expected return rate.

Let’s say you need Rs. 3,00,000 as the maturity amount after 5 years, and the mutual fund has an estimated return rate of 12.5%. Inputting these values in the Angel One sip calculator will show Rs. 3,587 as the value of the monthly SIP.

Benefits Of Using the SBI SIP Investment Calculator

Below are the benefits of using an SIP calculator:

  • The Online SBI SIP calculator is a reliable and user-friendly tool that helps you plan your investments effectively.
  • The calculator is readily available online, making it convenient to calculate your returns anytime within seconds. 
  • It also helps you to create personal investment plans which meet your specific financial goals by allowing you to calculate your returns using different inputs and select one which aligns with your budget and goals. 
  • The calculator is very easy to use with only basic inputs. It saves you time and effort that you would have otherwise spent understanding the formula and doing manual calculations.
  • The SBI SIP calculator is free to use and can be used multiple times with different inputs. 

Factors Influencing SIP Earnings

The earnings or returns on your SIP depend on various factors. Let us understand them:

  1. The SIP amount: Your returns are directly proportional to your investment. So, thehigher the monthly investment, the higher your returns. 
  2. Duration of the SIP: The longer your investment horizons, the more times compounding would happen and the higher the returns would be. Longer tenures will also offer a cushion against market fluctuations.
  3. The expected rate of return: Another crucial factor affecting the maturity amount is the expected rate of return. 
  4. Type of investment and your risk appetite: The instrument you choose to invest in also affects your earnings. If you invest in equity funds, the possibility of returns is higher, but the risk is also higher. Alternatively, if you invest in debt or balanced funds, you get comparatively lower returns and bear lower risk. 

SBI Bank SIP Calculator FAQs

What is the SBI SIP calculator?

The SBI SIP calculator is a digital tool designed to enable investors to determine the potential earnings on the investments made through a systematic investment plan.

How to use the SBI SIP calculator online?

SBI SIP calculator is straightforward to use. You must input just a few simple details to get accurate estimates of your potential returns.

Is the online SBI SIP calculator free to use?

Yes, the online SBI SIP calculator is a free way to calculate returns on your SIP investments.

How much is the minimum tenure of SBI SIP?

The minimum tenure of SBI SIPs may vary depending on the specific scheme you choose. It is recommended to check fund-specific information to know the minimum tenure requirement.

What is the rate of return on SBI SIPs?

The rate of return on SBI SIPs can vary depending on market conditions, investment duration, and the specific scheme you choose. It is advisable to refer to scheme-related documents for an idea.

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