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SIP Calculator

SIP Calculator
SIP Calculator

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✅ What Is a SIP Calculator?

A SIP Calculator estimates how much your regular investments (like monthly SIPs) will grow over time, using compound interest formulas. It helps us see our total investment, estimated returns, and final maturity value.

✅ How can this SIP Calculator help you?

  • Shows total you will invest over time
  • Shows how much return you might get
  • Helps us meet financial goals

✅ Formula of SIP Calculator

FV = P * [(((1 + i)^n– 1))/ i]* (1 + i)

  • P = periodic investment
  • i = rate per period
  • N = total number of periods

✅ SIP Calculator Example

Let’s say you invest $12,000 per month (P = 2,000) for 10 years (n = 120months) at an expected annual return of 12% (r = 0.12/12 = 0.01, or 1% monthly)

Using the formula:

Calculating Returns from a Mutual Fund SIP

FV = 12,000 * [((1 + 0.01)^120 – 1) / 0.01] * (1 + 0.01)

This would result in a future value of $ 2,788,068.92

✅ What Is a Lumpsum Calculator?

A Lumpsum Calculator calculates the future value of a one-time investment using compound interest.

✅ How can this Lumpsum Calculator help you?

  • Shows how much a single investment grows
  • Ideal when you have one big sum to invest

✅ Formula of Lumpsum Calculator

A = P (1 +r/n)^ nt

  • P = principal
  • r = annual rate
  • n = compounding frequency per year
  • t = time in years

✅ Lumpsum Calculator Example

Invest $12,000 at 12% for 10 years with semi‑annual compounding:

A = Rs. $ 12,000 (1 + 12%) ^ 10

This would result in a future value of $ 37,270.18

✅ What Is an Inflation Adjusted SIP Calculator?

This calculator estimates the real growth of your SIP investments after factoring in inflation.

✅ How can it help you?

  • Shows real purchasing power of your savings
  • Lets us invest smarter against rising prices

✅ Formula

Calculate nominal SIP FV, then adjust:

FV_real = FV_nom / (1 + inflation) ^ years

✅ Example

We invest ₹12,000 every month at a 12% annual return for 10 years. Using the formula

FV=P×(1+i)^n−1i×(1+i),

we get a total maturity value of $ 2,788,068.92. Then we adjust for 5% annual inflation over 10 years:

FV real =2,788,068.92*(1+0.05) ^10 = $1,711,632.46

✅ What Is a Step Up SIP Calculator?

A Step-Up SIP Calculator shows how your investment grows if you increase your SIP amount periodically (like 10% each year)

✅ How can it help you?

  • Aligns contributions to rising income
  • Helps beat inflation
  • Builds discipline with automatic increases

✅ Formula

Maturity = P*[(1 + r/n)^(nt) – 1]/(r/n) + S*[(1 + r/n)^(nt) – 1]/(r/n)

  • P = initial periodic amount
  • S = step-up amount
  • r/n, nt = interest per compounding period and total period.

✅ Example

We invest ₹12,000 each month, earn 12% per year (compounded monthly), and raise our SIP by 6% every year for 10 years; plugging those into the formula above gives a maturity value of ₹3,472,264.70.

Maturity = P * (((1 + r/n) ^(n*t) – 1) / (r/n))

         + S * (((1 + r/n) ^(n*t) – 1) / (r/n))

  • P = initial monthly investment
  • r = annual return rate (decimal)
  • n = compounding periods per year
  • t = total years

S = annual step‑up amount (increase each year)

✅ Benefits of Each Calculator

  • SIP: Clear picture of regular investing
  • Lumpsum: Good when investing one-time
  • Inflation‑Adjusted: Shows real money power
  • Step‑Up: Grows with your income, combats inflation

✅ Guide to Using This Full SIP Calculator

  1. Choose mode (SIP, Lumpsum, Inflation, Step‑Up)
  2. Input amounts, rate, period, and other details
  3. Pick currency
  4. Click Calculate to see:
    • Total Investment
    • Estimated Return
    • Final Value
    • Pie chart visualization

✅ Specific Features

  1. Multiple modes: SIP, Lumpsum, Inflation‑adjusted, Step‑Up
  2. Frequency options (daily, weekly, monthly, quarterly…)
  3. Automatic chart and clear result rows
  4. Responsive layout for easy use

✅ When to Use Which Calculator

  • SIP: Planning regular mutual fund investments
  • Lumpsum: Investing bonuses or windfalls
  • Inflation‑Adjusted SIP: Protecting future value of savings
  • Step‑Up SIP: Growing investments along with income

✅ When to Use Which Calculator

  • SIP: Planning regular mutual fund investments
  • Lumpsum: Investing bonuses or windfalls
  • Inflation‑Adjusted SIP: Protecting future value of savings
  • Step‑Up SIP: Growing investments along with income
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