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SIP Optimizer

Calculate your Investible Surplus by entering your assets, liabilities, and monthly investments to maximize your financial potential!

SIP Optimizer: Maximize Your SIP Power, Secure Your Future!

The SIP Optimizer is a simple tool that helps you plan your SIP investments. It shows how much you’re investing now, how much more you need to reach your goals, and the maximum amount you can invest. Get a personalized PDF report to help you take the next steps to achieve your dreams.

What I am Investing Monthly
₹ 1234
What I Need To Invest Monthly
₹ 1234
What I Can Invest Monthly
₹ 1234
Find out your max investment potential, that helps you achieve your goals sooner... Get a personalised PDF Report
Get Started
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Personal details
2
Income & expenses
3
Investments
4
Goals
Personal details
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Income & Expenses
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Investment details
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Goals
Next: Results
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Personal details

Provide your personal details to generate a customised financial plan.
* Indicates required field

Income & Expenses

Enter your monthly income and expenses to gain a detailed financial assessment.
Income
  • Total monthly income (From all sources)
Total 00
Expenses
  • Monthly household expenses (Credit card payments, utility bills etc.)
  • EMI payments (Home loan, Personal loan etc.)
  • Other monthly expenses (Miscellaneous)
Total 00
Pro Tip: Tracking your income and expenses precisely is key to achieving your financial goals!

Investment details

Enter your monthly income and expenses to gain a detailed financial assessment.
Current investments overview
Assets name
Current corpus (₹) (Enter value of all your investments)
Monthly contribution (₹) (Amount you are investing monthly)
Mutual Fund
Gold
Stocks
Fixed Deposits
Others
Total 00 00
Current investments overview
Mutual Fund
  • Current corpus (₹) (Enter value of all your investments)
  • Monthly contribution (₹) (Amount you are investing monthly)
Gold
  • Current corpus (₹) (Enter value of all your investments)
  • Monthly contribution (₹) (Amount you are investing monthly)
Stocks
  • Current corpus (₹) (Enter value of all your investments)
  • Monthly contribution (₹) (Amount you are investing monthly)
Fixed Deposits
  • Current corpus (₹) (Enter value of all your investments)
  • Monthly contribution (₹) (Amount you are investing monthly)
Others
  • Current corpus (₹) (Enter value of all your investments)
  • Monthly contribution (₹) (Amount you are investing monthly)
Total Current corpus (₹) ₹00
Total Monthly contribution (₹) ₹00
Note: Mentioned investment details for all asset classes, except Mutual Funds, are captured solely for generating a detailed personalised financial report. These details will not be used for any calculations or assessments.

Goals

Enter details for each goal to get accurate assessment and projections.
Goal name Desired corpus (₹) (Required goal amount) No. of years (Goal completion time) Expected rate of return (Expected annual growth rate)
Retirement Edit
%
Child’s education Edit
%
Child’s marriage Edit
%
+ Add Goal
Retirement Edit
  • Desired corpus (₹) (Required goal amount)
  • No. of years (Goal completion time)
  • Expected rate of return (Expected annual growth rate)
%
Child’s education Edit
  • Desired corpus (₹) (Required goal amount)
  • No. of years (Goal completion time)
  • Expected rate of return (Expected annual growth rate)
%
Child’s marriage Edit
  • Desired corpus (₹) (Required goal amount)
  • No. of years (Goal completion time)
  • Expected rate of return (Expected annual growth rate)
%

Edit goal

Add goal

%
Pro tip: Providing accurate goal details helps us assess your progress and keep you on track to achieve your objectives.
optimaly want
Advantages of SIP Optimizer Tool
Personalised Insights
  • Tailored insights on investor's portfolio and evaluation of progress toward goals to help investors make informed decisions.
Determine the Optimal SIP Amount
  • Know the ideal SIP amount required to meet the desired goals within the expected timeline and reduce the risk of under-investing.
Goal-Oriented Planning
  • Set and track multiple financial goals with discipline and focus.
Utilise Surplus Income
  • Identify surplus income that can be invested to accelerate goal achievement.
Start Early, Stay on Track: Assess the Right SIP Amount to Achieve Your Goals.
Hey ABC,
Here is your personalized SIP optimizer report. Achieve your financial goals by knowing how much you need to invest every month.
You are currently underinvesting and need an additional SIP of ₹20,000 per month to stay on track and achieve your goals.
What I am investing
10,000
Monthly
What I must invest
30,000
Monthly
What I can invest
50,000
Monthly
The 'What I can invest' indicates your maximum potential monthly SIP, enabling you to fast-track your progress toward achieving your goals.
Dream Home
1 Crore
Expected in 15 years With ₹10,000 /month
Achievable in 10 years With ₹12,000 /month
Expected in 15 years With ₹10,000 /month
Marriage
70 Lacs
Expected in 15 years With ₹10,000 /month
Achievable in 10 years With ₹12,000 /month
Expected in 15 years With ₹10,000 /month
First Car
20 Lacs
Expected in 15 years With ₹10,000 /month
Achievable in 10 years With ₹12,000 /month
Expected in 15 years With ₹10,000 /month
Vacation
10 Lacs
Expected in 15 years With ₹10,000 /month
Achievable in 10 years With ₹12,000 /month
Expected in 15 years With ₹10,000 /month
To help you reach all your goals, your existing monthly SIP is divided based on each goal's target and timeline.
Your monthly cashflow summary
Total income (₹1,30,000)
Total expenses(₹90,000)
Investible Surplus(₹30,000)
Total expenses(₹90,000)
Investible Surplus(₹30,000)
This is what you must invest!
Goal Name
What I am investing / Month
Current SIP
Time
Goal amt
What I must invest / Month
Required
SIP
Time
Expected
Corpus
What I can invest / Month
Potential
SIP
Time
Expected
Corpus
Dream Home
₹20,000
8 Y
₹1,00,00,000
₹22,000
9 Y
₹2,00,00,000
₹25,000
5 Y
₹3,00,00,000
Marriage
₹10,000
5 Y
₹70,00,000
₹10,000
5 Y
₹70,00,000
₹10,000
5 Y
₹70,00,000
First Car
₹5,000
3 Y
₹20,00,000
₹5,000
3 Y
₹20,00,000
₹5,000
3 Y
₹20,00,000
Vacation
₹5,000
2 Y
₹5,00,000
₹5,000
2 Y
₹5,00,000
₹5,000
2 Y
₹5,00,000
Total
₹5,00,000
₹1,95,00,000
₹50,000
₹2,07,00,000
₹60,000
₹2,07,00,000
Dream Home
What I am investing / Month
Required SIP
₹20,000
Time
8Y
Goal amount
₹1,00,00,000
What I must invest / Month
Required SIP
₹20,000
Time
8Y
Goal amount
₹1,00,00,000
What I can invest / Month
Required SIP
₹20,000
Time
8Y
Goal amount
₹1,00,00,000
Final summary
  • You are currently under-investing in your SIP.
Get your personalized report:
Your detailed SIP analysis to plan your next steps confidently.
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SIP Optimizer Report

Investor details
icon
Name
John Doe  
icon
Retirement age
65 years
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Date of birth
3/11/1989  
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Mobile no.
08888888888
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Dependents
3  
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Email Id
[email protected]
You are Underinvesting and need additional investment of ₹20,000 per month to be on track.
What I am investing
10,000
Monthly
What I must invest
30,000
Monthly
What I can invest
50,000
Monthly
The 'What I can invest' indicates your maximum potential monthly SIP, enabling you to fast-track your progress toward achieving your goals.
target
Dream Home
1 Crore
Expected in 15 years With ₹10,000 /month
Achievable in 10 years With ₹12,000 /month
Expected in 15 years With ₹10,000 /month
target
Marriage
70 Lacs
Expected in 15 years With ₹10,000 /month
Achievable in 10 years With ₹12,000 /month
Expected in 15 years With ₹10,000 /month
target
First Car
20 Lacs
Expected in 15 years With ₹10,000 /month
Achievable in 10 years With ₹12,000 /month
Expected in 15 years With ₹10,000 /month
target
Vacation
10 Lacs
Expected in 15 years With ₹10,000 /month
Achievable in 10 years With ₹12,000 /month
Expected in 15 years With ₹10,000 /month
To help you reach all your goals, your existing monthly SIP is divided based on each goal's target and timeline.
Your monthly cashflow summary
Total income (₹1,30,000)
Total expenses(₹90,000)
Investible Surplus(₹30,000)
This is what you must invest!
Goals
Goal Name
What I am investing / Month
Current SIP
Time
Goal amt
What I must invest / Month
Required
SIP
Time
Expected
Corpus
What I can invest / Month
Potential
SIP
Time
Expected
Corpus
Dream Home
₹20,000
8 Y
₹1,00,00,000
₹20,000
8 Y
₹1,00,00,000
₹25,000
5 Y
₹1,00,00,000
Marriage
₹10,000
5 Y
₹70,00,000
₹10,000
5 Y
₹70,00,000
₹10,000
5 Y
₹70,00,000
First Car
₹5,000
3 Y
₹20,00,000
₹5,000
3 Y
₹20,00,000
₹5,000
3 Y
₹20,00,000
Vacation
₹5,000
2 Y
₹5,00,000
₹5,000
2 Y
₹5,00,000
₹5,000
2 Y
₹5,00,000
Total
₹40,000
₹1,95,00,000
₹50,000
₹2,07,00,000
₹60,000
₹2,07,00,000
Income & expenses
Total monthly income 0
Monthly fixed expenses 1,00,000
Monthly expenses towards EMI 0
Other expenses 0
Current corpus with expected rate of return and monthly investments
Asset name Current corpus Monthly investments
Mutual fund 0 0
Gold 0 0
Stocks 0 0
Fixed Deposits 0 0
Others 0 0
Total 0 0
Final summary
  • You are currently under-investing in your SIP.
Disclaimer :
The calculators are based on past returns and meant for illustration purposes only. The calculators are designed to assist you to get a better understanding on how returns would have panned out in various scenarios. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Mutual Fund category wise returns are shown as per the category prescribed in latest AMFI Best practice Guidelines (AMFI BPG) and any such guidelines issued by AMFI from time to time. The calculator uses information that is publicly available and information developed in- house. Information gathered and material used in this calculator is believed to be from reliable sources. DSP Mutual Fund however does not warrant the accuracy, reasonableness and/or completeness of any such information. It is neither an investment advice nor should it be construed as indicative of any returns of the schemes of DSP Mutual Fund. In view of the individual circumstances and risk profile, each investor is advised to consult their investment/ tax advisor(s) before making a decision to invest. Investments made in mutual fund schemes carry high risk and there is no assurance or guarantee that the objective of the schemes will be achieved. Past performance may or may not be sustained in future and is not a guarantee of any future returns. There is no assurance of any returns/capital protection/capital guarantee to the investors in any of the schemes of DSP Mutual Fund. The AMC nor any person connected does not warrant the completeness or accuracy of the information and disclaims all liabilities, losses and damages arising out of the use of this information.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

FAQs on SIP Optimizer calculator

The SIP Optimizer Tool is designed to help you plan your SIP investments better by:

  • Showing how much you’re investing right now.
  • Highlighting how much you need to invest to achieve your financial goals.
  • Calculating your maximum SIP potential based on your income.
  • Providing a personalized PDF report with all these insights.

  • A clear view of your current SIP status and future investment needs.
  • Easy-to-understand breakdown of your potential SIP growth.
  • Helps you make informed decisions with step-by-step guidance.
  • A ready reference to share with your financial planner or family.

  • Enter your current monthly SIP amount.
  • Input your financial goal amount and timeline.
  • Provide details about your income and expenses.
  • Click "Calculate" to get your personalized insights.
  • Download the detailed report for actionable recommendations.

Disclaimer

The calculators are based on past returns and meant for illustration purposes only. The calculators are designed to assist you to get a better understanding on how returns would have panned out in various scenarios. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. Mutual Fund category wise returns are shown as per the category prescribed in latest AMFI Best practice Guidelines (AMFI BPG) and any such guidelines issued by AMFI from time to time. The calculator uses information that is publicly available and information developed in- house. Information gathered and material used in this calculator is believed to be from reliable sources. DSP Mutual Fund however does not warrant the accuracy, reasonableness and/or completeness of any such information. It is neither an investment advice nor should it be construed as indicative of any returns of the schemes of DSP Mutual Fund. In view of the individual circumstances and risk profile, each investor is advised to consult their investment/ tax advisor(s) before making a decision to invest. Investments made in mutual fund schemes carry high risk and there is no assurance or guarantee that the objective of the schemes will be achieved. Past performance may or may not be sustained in future and is not a guarantee of any future returns. There is no assurance of any returns/capital protection/capital guarantee to the investors in any of the schemes of DSP Mutual Fund. The AMC nor any person connected does not warrant the completeness or accuracy of the information and disclaims all liabilities, losses and damages arising out of the use of this information. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.