SIP Calculator Yearly – Check Annual Investment & Returns

Key takeaways 

• Yearly SIP allows you to invest once in a year instead of monthly. The yearly SIP calculator shows maturity value total investment. 
   
• Yearly investment duration can significantly improve results even with moderate results. 
   
• The yearly SIP calculator encourages disciplined long term investing and setting realistic goals. 

Bonus tip: Do you know? A top flexicap fund SIP of ₹29,000 per month grew to ₹52,66,000 in 7 years. Top performers include HDFC, Quant, Parag Parikh, JM and PGIM India.

 Yearly SIP means investing a fixed amount once in a year to build long term wealth through compounding. 

Imagine you grow a big orchard. In this, you have two choices. First, you plant every month or second, you plant a row of 12 saplings at once. The yearly SIP calculator works like a growth forecast. It tells you much shade and fruits (wealth) you will be having in 10 or 20 years. 

For example, you decided to invest Rs. 1,20,000 every year for the next 10 years with 12% annual return. By staying consistent towards investing, his money grew to additionally Rs. 11,05,000 by just spending a total of Rs.12,00,000.

What is the Yearly SIP calculator? 

A yearly SIP calculator is an online financial tool that helps you know the future value of your yearly SIP investments. The tool requires only a few basic details like the amount that you invest every year, annual return rate and tenure. After this, you will be provided with the total future value of your investments including the earnings made. It is an important tool to understand why regular systematic investing is important. 

For example, if you choose to make a yearly SIP investment of ₹50,000 at 12% for 10 years. In the end, it will be a total of ₹9,82,729. The advantage here is that it averages out the market fluctuations as you invest consistently over a period of time. 

Read More : SIP Calculator

What is the use of yearly SIP calculator? 

A yearly SIP calculator helps you in many ways such as: 

• It helps you in planning long term investments.
• It allows you to compare different amounts of investments.
• It is a time saving tool by avoiding complex calculations. 
• It helps you understand the power of compounding. 

Overall, you can get the results in just a few seconds with clarity instead of manually calculating the results. 

Few examples:

Example 1- Rahul wants to invest in a mutual fund through a yearly SIP calculator to plan his finances effectively. He decides to invest  ₹5,000 per month for a period of 10 years with an expected annual return of 10%. 

The yearly SIP calculator provides Rahul with a clear breakdown of his investment journey. This will help him to understand what goals he wants to achieve with his money. 

Example 2- Anjali wants to invest annually to save for her child’s higher education. 

The Yearly calculator helped Anjali to invest according to her financial budget. 

Also Read : MF SIP Calculator

How to use yearly SIP calculator ? 

Below are the steps to use the yearly SIP calculator: 

Step 1- go to page https://www.axis.bank.in/calculators/sip-calculator. 

Step 2- enter the amount you initially plan to invest at regular intervals. 

Step 3 - enter the duration of your investment.

Step 4- provide an estimate of the annual return rate. 

Once all this information is provided, the calculator will give the results. It will include the future value of your investments, the total invested amount and expected returns. 

Conclusion: 

You can build a good amount of savings by consistently investing small amounts through SIPs. Using the yearly SIP calculator can help you know your investment’s future value. This will allow you to manage your financial budget and set  better  financial goals for a long run. So, it is better to start your SIP journey today and create your way for a brighter tomorrow. To understand what returns you can expect over a longer run, use the yearly SIP calculator. 

FAQs

1- I am planning to start an SIP as a first year college student, please help. 

You can use a yearly SIP calculator as it is a powerful tool that shows you how discipline and early investing can turn small investments into a big amount. As a college student starting early, it will give you many advantages. 

2- I’m planning to start SIPs with a total monthly investment of ₹8,500 for 10 years for which assistance is required. 

Using the yearly SIP calculator helps you understand the long term growth clearly. With the yearly SIP of ₹1,02,000 for 10 years, your total investment will be ₹10,02,000. The average annual return of 12%, the estimated maturity value is around ₹18,00,000-₹19,00,000.

3- Is this even possible that investing ₹10000 per month for 50 years at a return of 15% will yield ₹139 crore. Is the SIP calculator to be trusted?

Yearly SIP calculators are mathematically correct but actual results vary because of the market fluctuations.  The calculators only show what could happen only if the returns are consistent throughout the time period. Therefore, SIP calculators can be trusted for calculations and not predictions. 

4-How can SIP calculator suggests that one can achieve Rs50 crore investment goal in 30 years, using 15% annual step-up?

The yearly SIP calculator only shows mathematical calculations and not what is guaranteed. The tool is only used for goal planning and is for illustrations only.  A SIP calculator can suggest the above situations by assuming that your SIP annual rate increases by 15% per year. The calculator assumes a constant market return.