SIP Calculator

SIP, or systematic investment plan, is a method of investing in mutual fund schemes. SIP investors invest a certain fixed amount in a particular scheme at fixed intervals (week, month, quarter, etc.) for a definite amount of time (5, 10, 15 years). This SIP calculator can show you the total SIP returns and SIP value on maturity. Every SIP installment paid to the bank/AMC/fund house/etc. increases the value of the overall invested amount, thus also increasing the value of possible returns.

SIP Investment Calculators take into consideration a few variables in order to calculate the eventual profit generation of a particular SIP mutual fund scheme. Some values considered are - the total amount of investment every week/month/quarter/etc, the total duration of investment in years, projected returns percentage, etc.

Use this SIP returns calculator if you’re planning to invest in a mutual fund scheme and want to calculate the maturity value of your SIP. This SIP calculator can provide a realistic estimate of the potential earnings from a particular SIP mutual fund scheme. Know how much you will earn on SIP investment with this mutual fund calculator.

An SIP planner is a good way to make sure you stay on top of your investments at all times. Use FundsIndia’s SIP planner tools to your advantage!

Tax Saving Calculator for FY 2019-20

There comes a time every financial year when you have to ask - “What’s my income tax liability?”, “How can I save on tax?”, “What income tax saving investments are best in ?”

There are many tax saving investments that one can make in a financial year that will save his/her income from taxation. Various sections of the Income Tax Act, 1961, allow for different levels of investments under different headings.

The total outstanding tax liability for every Indian taxpayer is calculated on the basis of income ‘slabs’ and tax is charged accordingly at different levels of income. Currently, the tax slabs are:

Income Tax Slabs (FY: 2019-20) for Individuals and HUF under the age of 60:

Income Level Rate of Taxation Additional Health and Education Cess Rs.0 to Rs.2,50,000 No tax liability No tax liability s.2,50,001 to Rs.5,00,000 5% 4% of the income tax as charged Rs.5,00,001 to Rs.10,00,000 20% 4% of the income tax as charged Rs.10,00,001 and above 30% 4% of the income tax as charged Additional Surcharge Details Income Level Surcharge Rs.50,00,000 to Rs.1,00,00,000 10% of income tax as charged Rs.1,00,00,000 and above 15% of income tax as charged

Income Tax Slabs (FY: 2019-20) for Individuals and HUF over the age of 60 and below the age of 80:

Income Level Rate of Taxation Additional Health and Education Cess Rs.0 to Rs.3,00,000 No tax liability No tax liability Rs.3,00,001 to Rs.5,00,000 5% 4% of the income tax as charged Rs.5,00,001 to Rs.10,00,000 20% 4% of the income tax as charged Rs.10,00,001 and above 30% 4% of the income tax as charged Additional Surcharge Details Income Level Surcharge Rs.50,00,000 to Rs.1,00,00,000 10% of income tax as charged Rs.1,00,00,000 and above 15% of income tax as charged

Income Tax Slabs (FY: 2019-20) for Individuals and HUF over the age of 80:

Income Level Rate of Taxation Additional Health and Education Cess Rs.0 to Rs.5,00,000 No tax charged No tax charged Rs.5,00,001 to Rs.10,00,000 20% 4% of the income tax as charged Rs.10,00,001 and above 30% 4% of the income tax as charged Additional Surcharge Details Income Level Surcharge Rs.50,00,000 to Rs.1,00,00,000 10% of income tax as charged Rs.1,00,00,000 and above 15% of income tax as charged

Special mutual funds investments called ELSS (Equity Linked Savings Scheme) can be used to save up to Rs.1,50,000 under Section of the Income Tax Act, 1961.

The FundsIndia Tax Saving Calculator will take into consideration your total annual income, EPF/PPF, life insurance premiums, 5-year bank deposits, principal repayment on any home loan, etc. to calculate your total taxable income. Use this calculator to find out your tax liability for Assessment Year 2019-20.

Calculate taxable amount and non-taxable amount with this income tax calculator.

Monthly Investment Calculator

Suppose you’ve set a financial goal that says you need Rs.10 lakh in 3 years’ time. This calculator will show you exactly how much money you need to invest each month in order to realize your financial goals. Use this calculator to determine the monthly investment required to achieve medium to long-term goals.

Choosing the best SIP is only half the work done, as you then need to decide the level of investment to be made each month in order to realize your investment goals. Choosing the top SIP of but choosing to invest a lower amount than your capability will result in a wasted opportunity - as the right amount invested at the right time will yield the best returns on investment.

Every investor who has made money off mutual fund and SIP mutual fund investments has wished that they could travel back in time and increase the amount being invested so as to reap greater rewards. Don’t make that mistake, and decide the optimal amount right at the start of the plan with this financial calculator tool.

This calculator will show you the exact investment amount - not more and not less - than what is required for you to achieve your investment goals.

Bear in mind that this is an estimated value based on the approximate rate of returns. Our team of experts can help you pick the right SIP investment that can generate greater returns than this estimate.

Child’s Education Expenses Calculator

There are very few financial responsibilities as important as educating one’s children. Education today is not what it was, neither in terms of quality or cost. The rising cost of quality education has prompted many to invest in mutual fund schemes through SIP in order to meet this large expense.

The amount that can be earned through a particular mutual fund isn’t fixed or assured by the AMC, fund house, bank, etc. that is offering the scheme. Whether you choose a long-term, debt-oriented, low-risk fund or a medium-term, equity-oriented, high-risk fund to meet your child’s education expenses - this calculator can provide a relatively accurate estimate of how much you’ll need to invest for your predefined investment goal.

This expense calculator creates a projection of the required course fees in the future by taking into consideration the current course fee of a particular field of study and accounting for inflation.

This calculator tells you how much to invest in SIP, the duration and frequency of investment, and the total number of years to remain invested in order to generate the required funds. Bear in mind that this calculator uses an average value as ‘rate of returns’, and our award-winning investment experts can help you find an SIP investment that beats the market average.

Child’s Marriage Expenses Calculator

A wedding is a huge milestone in a person’s life and is an event where no expense must be spared. It’s a common practice for parents to put aside funds for their child’s marriage expenses, as societal and traditional norms usually call for lavish events.

The cost for weddings today is far more than it was just 10 years ago. There are more spending categories and more wedding-related services that have popped up in recent years - such as aerial drone video footage, wedding performers, artisans, food sculptors, wedding websites, hardwood invitations, etc. These services can dramatically increase the cost of throwing together an unforgettable wedding ceremony. And what’s more, these costs only get higher every passing year because of inflation and the rising cost of living in cities.

If you are a parent and wish to know just how much you’ll need for your child’s wedding expenses, use this wedding expenses calculator. This calculator gives you a relatively accurate estimate of money value after accounting for inflation. Find a realistic approximate and calculate the returns on SIP for the purpose of building funds for your child’s wedding.

This calculator provides an accurate prediction of wedding expenses, after accounting for inflation during the number of years before the expense is due. Meaning that if you know how lavish a wedding you desire, and how many more years left till the event, the calculator can give you a realistic estimate of the total amount required, and the amount you need to invest in SIP every month to earn this total amount.

Retirement Plan and Pension Calculator

Retirement planning is among the most important - and often neglected - aspects of financial planning. A solid financial plan will account for a certain amount being set aside every month for a financially secure post-retirement life.

This calculator is a financial tool that takes into consideration your current age, expected inflation, current expenses, retirement age, investment expectations, etc. and generates a realistic picture of how much you will need to save in order to meet your financial goals - post-retirement.

Having funds set aside post-retirement is very important for anyone in this day and age, as society marginalizes the elderly and expects them to fend for themselves. When the time comes for retirement, it’s better to be prepared and financially at peace. There are many pension plans and retirement-oriented investments one can make in mutual funds, etc.

Adjusting for inflation and the cost of living over the many years left until retirement, this retirement planning calculator will tell you how much you need to start saving and investing right now in order to have peace of mind in your golden sunset years.

The best mutual funds can offer superb returns for long-term investors, and the FundsIndia investment advisory team can suggest the best investments based on individual investment goals.

SIP and Mutual Funds Returns Calculator

This SIP calculator determines how much you can earn with SIPs. Any given SIP investment will provide you with the basic information required to calculate the total value of the SIP investment.

Knowing when and how much to invest is the second most important factor - after choosing the right SIP investment plan. Investing a lower amount than your capability will most probably result in regret at the time of plan maturity, as a lot more profit could have been earned with even slightly larger investment amounts.

This SIP calculator can help you find the optimal investment amount based on your personal investment goals. Once you know how much you wish to invest, the total amount you wish to earn on maturity, etc. FundsIndia’s award-winning financial advisory team will suggest the most profitable investment for you based on your investor profile and capacity for risk.

If you have a certain ‘Rs.x’ amount that can be invested each month - find out how much you can earn in total with this investment calculator which accounts for inflation and other factors - giving you a realistic estimate of your earning potential.

You can use this financial tool to calculate the maturity value of your SIP.

Return Calculator for my Step-Up SIP in

A step-up SIP is identical to a regular SIP in every aspect, except that the amount being invested increases every year. For example, most employees’ salaries increase annually with salary hikes, performance bonuses, etc. but the value of the monthly SIP investment remains the same for many years. Step-up SIPs are a far superior form of SIP, as it allows for greater savings over time.

Investing a certain amount each month in the right scheme will definitely enable the investor to generate profits and returns, but upgrading the SIP to a step-up SIP will help counter the negative effects of annual inflation, and generate substantially higher returns.

FundsIndia’s award-winning investment advisors will help you zero in on the best mutual fund scheme for your personal investment goals and risk taking capacity. You can then use this calculator to check exactly how much you’ll need to invest to meet your goals, and how much of a benefit your step-up SIP will provide you as compared to a regular SIP.

Use this Step-up SIP calculator to calculate the total returns on SIP investment.

*FundsIndia's Research team has, to the best of its ability, taken into account various factors - both quantitative measures and qualitative assessments, in an unbiased manner, while choosing the fund(s) mentioned above. However, they carry unknown risks and uncertainties linked to broad markets, as well as analysts' expectations about future events. They should not, therefore, be the sole basis of investment decisions. The recommendations and reviews do not guarantee fund performance, nor should they be viewed as an assessment of a fund's, or the fund's underlying securities' creditworthiness. Mutual fund investments are subject to market risks. Please read the scheme information and other related documents before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs. Wealth India Financial Services Pvt. Ltd. (with fundsindiaadvisor.com) makes no warranties or representations, express or implied, on products offered through the platform. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.