SIP Calculator
Project mtengo maturity wa mwezi systematic ndalama ndondomeko (SIP).
Zithunzizi zimasintha monga momwe mumalemba.
Zachidule
A systematic investment plan (SIP) invests a fixed amount every month into a fund, and this SIP calculator projects what those regular contributions could grow to. It assumes each instalment is invested at the start of the month, compounds at your expected annual return, and then splits the maturity value into the total you put in and the estimated gains.
The engine grows the balance month by month: FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the annual return ÷ 12, and n the number of months. For example, 5,000 invested every month for 10 years at 12% grows to about 11.6 lakh (1,161,000): you contribute 600,000 and the remaining 561,000 is estimated returns — the gains slightly exceed what you invested thanks to compounding.
Use it to plan a mutual-fund SIP, to see how the monthly amount, expected return and time horizon shape the corpus, or to model a step-up SIP that raises the contribution each year. Because SIPs invest in market-linked funds, the return is an assumption, not a guarantee, so keep the rate realistic.
Mafunso ofunsidwa nthawi zambiri
Kodi ndi chiyani SIP maturity formula?
FV = P × ((1 + i) ^ n − 1) ÷ i × (1 + i), kumene P ndi mwezi ndalama, i mwezi kuchira (zaka ÷ 12) ndi n mnda wa miyezi.The final (1 + i) amasonyeza kugulitsa pamapeto pake pamapeto pake pamapeto pake pamapeto pake.
Kodi SIP kubweza garantized?
No. SIPs nthawi zambiri amagwiritsa ntchito ndalama m'masitolo-ogwirizana ndalama, kotero zoyembekezera kubweza ndi chikhulupiriro, si lonjezo. M'maganizo zotsatira zasintha chaka ndi chaka - kulowa realistic, conservative mtengo kwa kupanga.
Kodi ndi chiyani step-up SIP?
Step-up (kapena top-up) SIP amawonjezera ndalama zanu za mwezi ndi kuchuluka kwa ndalama zomwe mumalandira chaka chilichonse, popeza nthawi zambiri zimagwirizana ndi kuchuluka kwa ndalama zomwe mumalandira. Kulemba ndalama za chaka ndi chaka kumasonyeza kuti ngakhale ndalama zosakwanira zimatha kuwonjezera ndalama zanu za mwezi.
Ndi SIP yabwino kuposa ndalama mmodzi-mmodzi ndalama?
SIP amafalitsa ndalama nthawi zonse, kuyendera mtengo wanu kugula ndi kuchepetsa chiopsezo cha kugula zonse pa mtengo waukulu wa malonda - amadziwika kuti rupia- kapena dollar- mtengo woyendera. A lump sum angapeze pamene malonda kuwonjezeka mosalekeza, koma SIP amafuna osunga ndalama kupulumutsa kuchokera mwezi ndalama.
Kodi SIP compounding ntchito?
Mwezi uliwonse ndalama zimayamba kulandira ndalama zobwezeredwa mwamsanga ndi zimene zimabwerera ndiye kulandira ndalama zobwezeredwa zawo, kotero zayamba zigawo kukulirapo kwambiri. Izi ndi chifukwa chakuti kuyamba SIP posachedwapa, ngakhale ndi ndalama zochepa, nthawi zambiri amadula SIP lalikulu anayamba pambuyo pake.
Kodi kubweza ndiyenera kuyembekezera kwa SIP?
Kugwiritsa ntchito mfundo zazikulu zanthawi yayitali za mtundu wa ndalama - ndalama za equity zakhala zikugwiritsidwa ntchito kwambiri kuposa ndalama za ngongole koma ndi kusinthika kwambiri. Kukhulupirira kuti kuteteza kumasunga corpus yoyembekezeredwa yolungama, chifukwa cha ndalama za chaka ndi chaka zomwe zidzasintha pamwamba ndi pansi pa izo.
API — kugwiritsa ntchito izi calculator kuchokera code
Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Kuti mudziwe zambiri, pitani ku www.json.org/json.html. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →
Chithunzi
GET https://calculator.free/api/v1/sip/curl
curl "https://calculator.free/api/v1/sip/?amount=5000&rate=12&years=10"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/sip/?" + new URLSearchParams({
"amount": "5000",
"rate": "12",
"years": "10"
}));
const data = await r.json();
console.log(data.results);Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.