SIP Calculator
Monthly mutual fund SIP ki estimated future value jaanein. Monthly amount, ek assumed annual return aur time period daalein — yeh aapki apni assumptions par based ek illustration hai, koi forecast ya promise nahi.
Aapki SIP
Neeche di gayi amounts badal kar dekhein ki estimate kaise badalta hai.
Rupees mein, per month.
Ye aapki apni assumption hai, koi promise nahi. 8%, 10%, 12% aur 14% sirf neutral illustrative bands ke taur par diye gaye hain, ya Custom chunkar apni rate bhariye.
Aapka estimate
₹10,000 ki 120 monthly instalments par, 12% annual return maankar, har month ki shuruaat mein invest kiya gaya. Yeh aapki apni assumptions ka illustration hai, koi forecast nahi.
In assumptions ke hisaab se — ₹10,000 per month, 12% assumed annual return, 10 saal, har month ke start mein invest karte hue — illustrated future value ₹23,23,391 dikhta hai, jisme se ₹11,23,391 estimated gain hai. Yeh sirf aapke diye gaye assumptions ka ek mathematical illustration hai, koi promise ya recommendation nahi.
Return ya time period badal ke dekhiye ki illustrated future value kaise change hota hai — Inflation Calculator se yeh bhi dekha ja sakta hai ki koi future cost kaise badh sakta hai.
Is calculator ke baare mein jaanein
SIP (Systematic Investment Plan) calculator ek fixed monthly mutual fund investment ke illustrated future value ka andaaza deta hai, ek assumed annual return ke aadhar par.
Pura amount ek saath invest karne ke bajaye, SIP mein wahi amount regular monthly instalments mein spread hota hai. Yeh calculator un instalments ko aapke chune gaye annual return par compound growth use karke aage project karta hai, taaki aap numbers mein dekh sakein ki ek monthly amount, ek return assumption, aur ek time period milke kya ban sakte hain.
Yeh kaise kaam karta hai
Har month ki instalment ko entered annual return par, har month compound hote hue maana jaata hai, aapke chune gaye period ke months ki sankhya ke liye. Default convention mein har instalment month ki start mein invest hui maani jaati hai; aap ise end-of-month mein bhi badal sakte hain.
Har input ka matlab kya hai
- Har month ki SIP amount
- Har month invest ki jaane wali fixed amount (rupees mein).
- Expected annual return
- Illustration ke liye aapke dwara chuni gayi ek assumption — koi promise, guarantee ya prediction nahi.
- Investment period (saal)
- SIP kitne saal tak chalti rahegi.
- Contribution ka timing
- Kya har month ki instalment month ki start mein maani jaaye ya end mein.
Results ka matlab kya hai
- Total invested
- Poore period mein har monthly instalment ka total.
- Estimated gain
- Illustrated future value aur total invested ke beech ka difference.
- Estimated future value
- Aapke assumed return par, total instalments kitna badhne ka anumaan hai.
Assumptions
- Aapke dwara diya gaya annual return poore period mein har month evenly apply hota hai.
- Har instalment bilkul same amount ki hoti hai — koi month miss nahi hota, koi increase nahi.
Limitations
- Real mutual fund returns market-linked hote hain, har saal change hote hain, aur kabhi guaranteed nahi hote.
- Yeh calculator tax, exit load, ya missed/irregular instalments ko model nahi karta.
Aam galtiyan
- Assumed return ko ek promised ya expected outcome maan lena, na ki kai possible assumptions mein se ek illustration.
- Yeh maan lena ki ek higher assumed return apne aap illustration ko "zyada likely" bana deta hai — aisa nahi hai; yeh sirf dikhaya gaya arithmetic badalta hai.
Udaharan
Jaise, 10 saal tak har month ₹10,000 ka investment, 12% assumed annual return par, lagbhag ₹23 lakh ke future value ka illustration dikhata hai, jisme se lagbhag ₹12 lakh actually invest kiya gaya tha — baaki illustrated gain hai.
FAQ
"Beginning of month" timing ka matlab kya hai?
Ismein maana jaata hai ki har month ki SIP instalment us month ke pehle din invest hoti hai, isliye use month-end wali instalment se (bahut thoda) zyada time badhne ko milta hai. India ke zyadatar SIP calculators yahi convention default rakhte hain; aap chahein to end-of-month bhi choose kar sakte hain.
Mera "total invested" aur "future value" alag kyun hain?
"Total invested" sirf aapki saari instalments ka jod hai. "Future value" yeh estimate hai ki aapki chuni gayi return rate par wahi paisa kitna badh sakta hai. Dono ka difference hi estimated gain hai — yeh bhi ek illustration hai, koi promise nahi.
Kya yahan use ki gayi return rate guaranteed hai?
Nahi. Aapke dwara entered ya selected annual return illustration ke liye ek assumption hai — mutual fund returns market-linked hote hain aur guaranteed nahi hote.
Kya main baad mein apni SIP amount badal sakta/sakti hoon?
Haan — SIP amount life-time ke liye fixed nahi hai. Yeh calculator poore period ke liye ek flat monthly amount dikhata hai; yeh rising SIP ko model nahi karta (uske liye Step-Up SIP calculator dekhein).
Step-Up SIP calculator dekhein yeh dekhne ke liye ki rising monthly amount illustration ko kaise badalta hai, ya kisi target amount se backward kaam karne ke liye Required SIP calculator dekhein.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.