BAJAJ ASSET MANAGEMENT LIMITED.
BAJAJ ASSET MANAGEMENT LIMITED.
An SIP calculator is a simple, free online tool that estimates how regular monthly investments can grow over a chosen period. Enter your monthly SIP amount, investment tenure and assumed annual return to view the total amount invested, estimated returns and maturity value.
You can change any of these inputs to compare different scenarios. For example, increasing the monthly amount or extending the tenure will show how the revised plan affects the final estimate.
An SIP is not a mutual fund scheme. It is a method of investing a fixed amount at regular intervals. Each instalment is invested in a mutual fund scheme chosen by the investor.
Explore calculations for popular SIP amounts across different investment tenures:
An SIP calculator uses the future value formula for a series of regular monthly investments. Each instalment compounds for the period it remains invested, giving earlier instalments more time to earn returns. The formula used for the SIP calculation is:
M = P × [((1 + i)ⁿ – 1) / i] x (1 + i)
Where:
• M is the estimated maturity value
• P is the monthly SIP amount
• i is the assumed annual return divided by 12 and expressed as a decimal
• n is the total number of monthly instalments
The final (1 + i) accounts for instalments being invested at the beginning of each month.
For example, if the assumed annual return is 12%, the monthly rate used in the calculation is 1%, or 0.01. The calculator combines the future value of all instalments to arrive at the estimated maturity amount, allowing you to compare different investment scenarios.
An SIP return calculator shows how the monthly amount, investment period and assumed return can affect a financial goal. It can help you:
• Estimate the future value of an SIP investment
• Compare different monthly investment amounts
• See how a longer investment period affects estimated SIP returns
• Calculate the required monthly amount for a chosen target corpus
• Check whether the investment fits your budget
• Compare regular investing with a one-time investment
If the required monthly amount is too high, you can extend the tenure or revise the target. You can also increase the contribution to see how it changes the estimated value.
Use the Bajaj AMC online SIP calculator to estimate the value of your monthly investments:
1. Select SIP Monthly
2. Enter your monthly SIP under Investment Amount
3. Choose the investment tenure under Time period
4. Set the assumed return under Expected Annual Return
5. View the Returns, Invested amount and Value at maturity
Start with an amount that fits comfortably within your monthly budget. You can then explore how changes to the contribution or tenure affect the final estimate.
The ‘Lumpsum’ option estimates the returns and maturity value of a one-time investment based on the investment amount, time period and expected annual return.
The ‘I want to build wealth’ option works backwards from your desired portfolio value. It considers the time period, expected return, existing investment and inflation to estimate the monthly SIP required.
The calculator is an aid, not a prediction tool. It may provide only an indicative picture.
To see how the Bajaj AMC SIP calculator works, consider Asha, a schoolteacher in Indore with a 12-year-old daughter. She wants to build a fund for her daughter’s higher education over the next five years. After accounting for regular household expenses, she decides to invest ₹10,000 every month. She enters:
• Monthly investment: ₹10,000
• Investment period: 5 years
• Assumed annual return: 11%
The calculator shows:
• Total amount invested: ₹6,00,000
• Estimated returns: ₹2,02,470
• Estimated maturity value: ₹8,02,470
Asha can compare this estimate with the amount she wants to add to her daughter’s education fund. If there is a gap, she can test a higher monthly investment or longer tenure while keeping her household budget in view.
The figures shown are for illustrative purpose only
The Bajaj AMC SIP calculator can help answer practical planning questions across different life stages, from choosing a monthly contribution to estimating a maturity amount.
Planning for a child’s education
Priya works at a bank in Nagpur and has a six-year-old son. With around 12 years before he begins college, she compares monthly investments of ₹5,000, ₹8,000 and ₹10,000. This helps her choose an amount she can maintain without stretching the household budget.
Building a retirement corpus
Rajesh is 42 and wants to strengthen the amount set aside for retirement. He enters his preferred monthly investment and compares tenures of 10, 15 and 20 years. The results show how additional time affects the estimated corpus while the monthly contribution remains unchanged.
Working towards a home down payment
Meera, a physiotherapist in Bengaluru, wants to make a home down payment in seven years. She selects the goal-based calculator option, I want to build wealth, and enters her target amount. The result shows the monthly investment required, which she can compare with her present cash flow.
Reviewing an existing SIP investment
Arjun has been making an SIP investment for three years and recently received a salary increase. He compares his current monthly contribution with a higher amount to see how the change affects the estimated value over the remaining tenure.
The Bajaj AMC SIP calculator helps you estimate returns, compare investment scenarios and assess how regular investments may work towards a financial goal:
It provides an instant estimate
Once you enter the required details, the SIP calculator generates an instant estimate. This removes the need to apply the formula manually and makes comparing scenarios faster.
It explains the maturity value
The result separates your total contribution from the estimated returns, showing how much of the maturity value comes from the amount invested and how much comes from growth.
It makes comparisons easier
Change one input at a time to see its effect. Keep the monthly investment unchanged to compare different tenures, or keep the tenure fixed to compare different investment amounts.
It connects investments with goals
A target such as ₹10 lakh or ₹25 lakh can be converted into a monthly contribution. The goal-based mode, I want to build wealth, handles this calculation.
It shows the effect of compounding
Earlier instalments remain invested for longer and have more time to earn returns. The calculator shows how compounding can affect regular investments made over longer periods.
It is free and easy to access
The calculator is available online without registration. You can run multiple comparisons and revise the inputs at any time.
An SIP can be scheduled at different frequencies, depending on the options available for the chosen mutual fund scheme and investment platform.
The Bajaj AMC monthly SIP calculator estimates returns for monthly instalments. Calculations for daily, weekly and quarterly investments will differ because the number and timing of instalments change.
An SIP calculator estimates the future value of a series of regular investments. A lumpsum calculator estimates the value of a single investment made at the beginning of the chosen tenure. Both use an investment amount, tenure and assumed return, but account for contribution timing differently.
| Feature | SIP calculator | Lumpsum calculator |
| Investment pattern | Regular instalments | One-time investment |
| Contribution timing | Usually monthly | Entire amount invested at the beginning |
| Main input | Monthly SIP amount | Lumpsum amount |
| Common use | Investing from regular income | Investing an existing surplus |
| Market exposure | Money enters the market gradually | The full amount is invested at once |
| Compounding period | Each instalment compounds for a different period | The entire investment compounds for the chosen tenure |
| Rupee cost averaging | Regular purchases take place at different market levels | Not applicable because the investment is made once |
| Result | Estimated value of all instalments | Estimated value of one investment |
For example, investing ₹10,000 every month for 12 months and investing ₹1,20,000 at once involve the same total investment. The results may differ because the monthly instalments enter the market gradually, while the lumpsum amount remains invested for the full period.
The suitable calculator depends on how you plan to invest. Use an SIP calculator for regular contributions and a lumpsum calculator for a one-time investment.
A step-up SIP calculator estimates how an investment may grow when the monthly contribution increases at regular intervals. The increase can be set as a fixed amount or percentage, usually applied each year.
For example, you may start with ₹5,000 a month and increase the amount by 10% each year. The calculator uses the starting SIP amount, step-up rate, investment tenure and assumed return to estimate the total amount invested, returns and maturity value.
A standard SIP calculator assumes that the monthly contribution remains unchanged. If you intend to increase your investment periodically, a step-up SIP calculator provides a more relevant estimate and helps compare a fixed SIP with one that grows over time.
Using the calculator does not modify an existing SIP mandate. The step-up instruction must be registered separately through the mutual fund or investment platform.
An SIP is a method of making regular investments in a mutual fund scheme. To invest in an SIP with Bajaj AMC, choose a scheme that aligns with your goal, investment period, risk appetite and time horizon. You can invest in mutual funds online through the Bajaj AMC investor portal:
Once the SIP is registered, instalments are processed through the approved bank mandate. You can track the investment through your account statement or investment platform.
At Bajaj AMC, we offer equity, debt, hybrid and index funds designed for different investment needs. Your goal, tenure, liquidity requirements and comfort with market movements can help narrow the options.
| Planning need | Bajaj AMC categories and schemes to explore | What to consider |
| Parking money for a short period | Debt funds:
|
|
| Goals a few years away | Debt or hybrid funds:
|
|
| Long-term wealth creation | Equity funds:
|
|
| Exposure to a sector or theme | Sectoral and thematic funds:
|
|
| Exposure to more than one asset class | Hybrid or multi asset allocation funds:
|
|
| Tax-saving investment | ELSS:
|
|
| Tracking a market index | Index funds:
|
|
The category is only the starting point. Schemes within the same category can differ in portfolio strategy, risk, costs and performance patterns. Review the scheme’s investment objective, portfolio approach and Riskometer before selecting one.
Please note that the reference to any industry/sector/stock is provided for illustrative purposes only. This should not be construed as a research report or a recommendation to buy or sell any security or sector.
Alongside the SIP calculator, Bajaj AMC offers free online calculators that address different investment and financial planning questions:
SWP calculator
Estimate how long an investment may support regular withdrawals based on the invested amount, withdrawal amount, tenure and assumed return.
Compound interest calculator
Calculate the estimated maturity value and interest earned when returns are compounded over the selected period.
Step-up SIP calculator
See how increasing the monthly SIP amount at regular intervals can affect the estimated corpus.
Lumpsum calculator
Calculate the estimated future value of a one-time mutual fund investment using the investment amount, tenure and assumed return.
CAGR calculator
Calculate the compound annual growth rate of an investment using its initial value, final value and holding period.
Simple interest calculator
Estimate the interest earned on a principal amount without compounding.
XIRR calculator
Calculate the annualised return on multiple investments or withdrawals made on different dates.
Tax calculator
Estimate your income tax liability based on the financial details entered.
These mutual fund calculators and financial tools help you choose calculations that match the investment method, contribution pattern or result you want to assess.
An SIP calculator accurately applies the formula to the details entered. The result is an estimate because it is based on an assumed annual return, while actual mutual fund returns depend on market performance.
You need three inputs: the monthly investment amount, investment period and assumed annual return.
It shows the total amount invested, estimated returns and estimated maturity value for the selected investment period.
Each monthly instalment is compounded for the period it remains invested. Earlier instalments stay invested longer and therefore contribute more to the estimated maturity value.
Yes. Select I want to build wealth and enter your target portfolio value, time period, expected return rate, amount available to invest now and expected inflation rate. The calculator will estimate the monthly SIP required.
No. The calculation does not separately deduct taxes, expense ratios, exit loads or other charges. Their impact depends on the selected scheme, holding period and redemption details.
The SIP Monthly calculation does not adjust the maturity value for inflation. The I want to build wealth option includes an expected inflation rate and displays the inflation-adjusted amount.
There is no single minimum amount for every SIP. The minimum investment differs across mutual fund schemes and is stated in the relevant scheme details.
Yes. You can request a change to the SIP amount, subject to the options and processing timelines provided by the mutual fund or investment platform. Changing the amount in the calculator only revises the estimate; it does not modify a registered SIP.
Yes. You can submit an SIP cancellation request before the planned tenure ends. Cancelling future instalments does not redeem the mutual fund units already held.
SIP returns measure the performance of investments made on different dates and are commonly assessed using XIRR. Annual returns measure an investment’s gain or loss over a 12-month period.
No. A mutual fund is an investment product, while an SIP is a method of investing a fixed amount in a mutual fund scheme at regular intervals.
At an assumed annual return of 12%, a ₹1,000 monthly SIP for five years has an estimated maturity value of approximately ₹82,486. The total amount invested is ₹60,000 and the estimated return is ₹22,486.
The figures shown are for illustrative purpose only
At an assumed annual return of 12%, a ₹1,000 monthly SIP for 10 years has an estimated maturity value of approximately ₹2,32,339. The total amount invested is ₹1,20,000 and the estimated return is ₹1,12,339.
The figures shown are for illustrative purpose only
At an assumed annual return of 12%, a ₹3,000 monthly SIP for five years has an estimated maturity value of approximately ₹2,47,459. The total amount invested is ₹1,80,000 and the estimated return is ₹67,459.
The figures shown are for illustrative purpose only
No. An SIP creates a regular investment schedule but returns depend on the performance of the selected mutual fund scheme. It does not guarantee profit or protect against loss.
No. The calculator estimates investment values but does not assess scheme suitability. Review the scheme’s investment objective, asset allocation, portfolio strategy, Riskometer, costs and investment horizon before selecting it.
Call, chat or write to us if you
need investment help
Toll-free number
Write to us at
Investor WhatsApp channel
Share your details and our experts will guide you.
The calculator alone is not sufficient and shouldn’t be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed investment decision and is not an investment process in itself. Bajaj AMC has tied up with AdvisorKhoj for integrating the calculator to the website. Mutual Fund does not provide guaranteed returns. Also, there is no assurance about the accuracy of the calculator. Past performance may or may not be sustained in future, and the same may not provide a basis for comparison with other investments. Investors are advised to seek professional advice from financial, tax and legal advisor before investing in mutual funds.
Need help planning your investments?
Our Investment Philosophy reflects what we, as an organisation, believe will generate a good return on equity investment for our investors in the long term. It dictates our goals and guides decision making.
Alpha (a) is a term used in investing to describe an investment strategy’s ability to beat the market.
Alpha is thus also often referred to as excess return or the abnormal rate of return in relation to a benchmark, when adjusted for risk. Essentially, it means doing better than the crowd without taking disproportionate risk.
Collecting superior information
Analysts and portfolio managers strive to collect superior information about the business and the management of the company. They try to generate superior earnings forecast and the balance strength of the company and the industry, thereby trying to 'beat the market' on information edge. This is an important source of alpha for an investor. However, over the years, retaining the information edge has become more difficult and expensive. With a whole lot of investors trying to collect superior information, how can an investor be sure to continuously have accurate and material information about the companies, ahead of others, all the time?
Processing information better
Even if you don't have material information earlier than the crowd, you can still generate better outcomes if you are able to process this information better. Investors develop models and algorithms with enhanced predictive powers to forecast the next move. Fund managers who invest based on some pure formal analytical models are quantitative managers. Here, the goal is to try and beat other investors based on the sophistication of procedures or analytics. The analytical edge can be quite useful until it gets copied by many, and then it may stop generating superior returns.
Exploiting behavioural biases
As the name suggests, this edge is achieved by superior behaviour in reacting to the inputs available to maximise alpha. Modern finance assumes people behave with extreme rationality. However, researchers in behavioural finance have shown that this is not true. Moreover, these deviations from rationality are often systematic. Behavioural managers try to exploit situations where securities are mispriced by the market because of behavioural factors. At Bajaj Finserv AMC, we endeavour to combine the best of these edges.
