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Updated year criteria 2026
Mutual Fund SIP Calculator
The Mutual Fund SIP Calculator estimates a investment and time value estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own mutual fund sip figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Calculate the total value of the fund from monthly fixed investment (SIP) with a table of value at the key points 5, 10, 15, 20, 25, 30 year
Calculation results
The value of the fund.
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Total cost
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Net profit.
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Total returns.
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Table of values at the critical point.
period
Cumulative cost
The value of the fund.
Profit.
How to calculate SIPs, mutual funds
SIP (Systematic Investment Plan) is a strategy that builds long-term wealth through multiplier effects. When you invest every month, whether the market goes up or down, you get dollar-cost averaging.
SIP Calculator
FV = PMT × [(1 + r)^n − 1] / r + PV × (1 + r)^n By PMT = monthly investment, r = interest rate per month (annual return ÷ 12), n = number of months, PV = initial investment
Calculation example
Investment 5,000 baht/month Return 8%/year Time 20 Year:
Total cost: 5,000 × 240 month = 1,200,000 baht
Fund value: About 2,950,000 baht
Return on investment: About 1,750,000 baht
Frequently asked questions
What is a SIP and how does it differ from a one-time investment?
SIP (Systematic Investment Plan) is an investment in a fixed amount of money every month consistently. Different from a one-time investment in that it reduces timing risk through dollar-cost averaging.
What's the average return on a Thai equity fund?
The long-term Thai stocks fund 10+ year has an average return of about 6-10% per year depending on the type of fund and the investment period. Index fund SET50 tends to give returns close to the market, while active funds may be higher or lower.
How much should I start SIP with per month?
You can start SIP from 500-1,000 baht per month in many funds. The important thing is consistency, not the amount. You should target investing at least 10-20% of your monthly income.
What kind of investor is SIP?
SIPs are for everyone, especially regular wage earners who want to save for the long term and don't have time to follow the market every day. Regular investments help build discipline and benefit from long-term returns.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The results of the calculations are only estimates. Actual returns depend on the performance of the fund. They are not financial advice.
English calculator guide
How to use the Mutual Fund SIP Calculator
Use this page to test a specific mutual fund sip scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the mutual fund sip estimate instead of relying on a generic example.
Build a baseline mutual fund sip case with figures that match your situation.
Run a second mutual fund sip case after changing the rate, period, quantity or other key assumption.
Record the difference between the two mutual fund sip results and the input responsible for it.
Inputs for the mutual fund sip estimate
For this mutual fund sip calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a investment and time value estimate for your scenario, not a guaranteed provider price or official decision.
How the mutual fund sip result is calculated
The calculator projects value over time from the entered amount, rate, period and contribution assumptions. Reusing the same mutual fund sip inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a mutual fund sip decision
Confirm any current rate, threshold or provider rule that could change the final amount. For mutual fund sip, Use the result as a planning estimate and confirm any rate, rule or threshold that may have changed before acting. Check the important inputs and any current provider or authority rules before using the result for a decision.
Language QA
Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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