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SIP Calculator

Wish to invest periodically? Calculate the amount of wealth that you can generate using our SIP Calculator.


Your Future Value: ₹ 23,23,390.76

Total Earnings: ₹ 11,23,390.76

Total Amount Deposited: ₹ 12,00,000

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About SIP Calculator

  1. Understanding SIP

A Systematic Investment Plan (SIP) is a disciplined method of investing where a fixed amount of money is invested at regular intervals, such as annually, quarterly, or monthly. To start a SIP, you need to determine the investment amount, the SIP date, and the scheme you wish to invest in.

  1. Advantages of SIP

SIPs allow you to invest without trying to predict market conditions, meaning you invest without timing the market. This strategy spreads investments across different market cycles, leveraging the rupee-cost averaging effect. SIPs facilitate long-term investment, allowing your money to benefit from compounding over time. You can start with a small amount, such as Rs 500 per month, making it accessible without the need to commit large sums upfront.

  1. How Our SIP Calculator Functions

The Turtle Trading Desk SIP Calculator requires a few inputs to estimate the future value of your investments and the total earnings generated. The required inputs are:

  • Investment Frequency: Choose whether to invest monthly or annually.
  • Investment Amount: Enter the amount you plan to invest regularly.
  • Expected Rate of Return: Input the annual rate of return you anticipate, based on the fund’s historical performance.
  • Investment Duration: Specify the duration (in years) you plan to continue the investment.
  1. Missing SIP Payments

Yes, you can miss a SIP payment if the selected fund allows for a payment pause.

  1. Choosing Between SIP and Lump Sum

Your choice between SIP and lump sum investment should depend on your financial situation, including income, expenses, age, risk tolerance, and financial goals. The main advantage of SIP over lump sum is that it mitigates the need to time the market, as you invest consistently through market fluctuations, yielding a weighted average return. In contrast, lump sum investing requires market timing to maximize returns, which is preferable if you are confident that the market will not experience significant corrections soon after your investment.

  1. Tax Benefits of SIPs

Investing in SIPs through an Equity Linked Savings Scheme (ELSS) provides tax benefits under Section 80C, up to Rs 1.5 lakh per year.

  1. Starting a SIP Online

Yes, you can initiate a SIP online by selecting appropriate funds based on your investment goals and risk profile.

For more information and to use our SIP calculator, visit the Turtle Trading Desk website.