HDFC SIP Calculator

The HDFC SIP Calculator is a simple online tool to help you know how much your HDFC mutual fund investments could be worth in the future. You only need to enter your monthly investment, the investment period, and the expected rate of return.

Why Use the HDFC SIP Calculator?

This tool is useful for planning investments with clarity:

Easy Planning: Enter your monthly SIP (minimum ₹100), select the payment frequency (daily, weekly, monthly, quarterly), and add your expected return to get instant results.

Goal-Oriented Investing: Align your SIPs with life goals like buying a car, funding education, or retirement planning.

Inflation Adjustment: Some versions let you factor in inflation to get a more realistic estimate.

Step-Up SIP: Increase your SIP annually to match your rising income and track higher returns.

Visual Growth Tracking: Charts and year-wise graphs show how your investments grow over time.

The calculator works using the power of compounding. It helps plan for short-term needs like a vacation or long-term goals like retirement.

How It Works

The calculator uses this formula:

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

Where:

• M = Maturity amount
• P = Monthly investment
• i = Expected monthly return (annual ÷ 12)
• n = Total months

Example: Invest ₹5,000 per month for 10 years at 12% annual return:

• Total Investment: ₹6,00,000
• Estimated Returns: ₹5,62,159
• Maturity Value: ₹11,62,159

Note: Actual returns vary depending on market performance, taxes, and fund expenses.

Benefits of SIPs with HDFC

Investing through HDFC SIPs offers several advantages:

• Low Entry: Start with as little as ₹100 a month (ELSS funds require higher).
• Rupee Cost Averaging: Buy more units when prices are low and fewer when high, reducing risk.
• Compounding Growth: Small investments over time can create significant wealth.
• Discipline: Auto-debit ensures you invest regularly.
• Tax Benefits: ELSS SIPs offer tax deductions up to ₹1.5 lakh.

How HDFC SIP Calculator Compares

Feature	HDFC SIP Calculator	Groww SIP Calculator	SBI SIP Calculator
Minimum Investment	₹100	₹100	₹500
Step-Up Option	Yes	No	Yes
Inflation Adjustment	Yes (some versions)	No	No
Visual Analytics	Charts & breakdowns	Basic graphs	Limited visuals
Ease of Use	Intuitive, free	Simple, free	User-friendly

HDFC’s calculator stands out for inflation adjustment and step-up SIP, making it ideal for long-term investors.

Tips to Maximize Your SIPs

• Start Early: Early investments grow bigger over time.
• Increase Gradually: Use the step-up feature as your income rises.
• Diversify: Choose from 100+ HDFC schemes including equity, bond, and hybrid funds.
• Seek Guidance: Financial advisors can help pick the right funds and set expectations.