Kalkaaliyihii SIP
Qorshaha qiimaha da’da ah ee qorshaha maalgashiga bil kasta oo si joogto ah (SIP).
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Waa maxay SIP formula da’da?
FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), halkaas oo P waa lacag bil kasta, i soo noqnoqda bil kasta (sano kasta ÷ 12) iyo n tirada bilood. The ugu dambeysay (1 + i) muujinaya maalgashiga ee bilowgii bishii.
Ma SIP soo noqnoqda waa la xaqiijiyay?
No. SIPs caadi ahaan maalgashiga suuqa-la xiriira lacagta, sidaas daraaddeed soo noqnoqda la filayo waa aaminsan yahay, ma aha ballan. Natiijooyinka dhabta ah ayaa kala duwan sanadka ilaa sanadka - galaya dhab ah, heerka xakamaynta qorshaynta.
Maxaa ah tallaabo-up SIP?
A tallaabo-up (ama top-up) SIP kor u qaadi kartaa qaybtaada bil kasta by boqolkiiba la dhigay sanad kasta, caadi ahaan si ay u midoobaan lacagta kor u. In la galo sanadle ah tallaabo-up halkan muujinaysaa sida xitaa koror sanadle ah oo yar oo macno leh u kordhin kartaa koritaanka ugu dambeeyay ee ka badan ka mid ah qaybta la dhigay.
Ma SIP ka fiican in maalgashiga lump-sum?
A SIP faafin maalgashiga waqti dheer, dhexdhexaadin qiimaha iibka iyo yareynta khatarta ah in ay wax kasta oo ay iibsadaan suuqa sare - loo yaqaan rupee- ama dollar-lacagta dhexdhexaadin. A lacag la'aan ah ayaa ku guuleysan kara marka suuqyada kor u kacdo si joogto ah, laakiin SIP waa ku habboon maalgashiga badbaadinta ka soo ganacsatada bishii.
Sidee SIP compounding shaqeeyaan?
Lacag-bixiyaha kasta bishii wuxuu bilaabayaa inuu helo soo noqnoqoshada isla markiiba iyo soo noqnoqoshadaas ka dibna ay soo noqnoqoshada iyaga u gaar ah, sidaas daraaddeed lacagta la siiyo ugu horeysay kor ugu. Tani waa sababta uu bilaabay SIP hore, xitaa la lacag yar, badanaa ku garaacaan SIP weyn oo dib u bilaabay.
Maxaa soo noqnoqda waa in aan u maleynayaa in SIP?
isticmaalka muuqaalka dhabta ah ee muddada dheer ee noocyada lacagta - lacagta saamiyada taariikhi ahaan ka soo noqday in ka badan lacagta deynta laakiin la kala-guurka badan. A aaminsan yahay conservative haystaa qormada la saadaalinayo run ah, tan iyo sannadka dhabta ah ee lacagta soo noqnoqda sanadka ka dib waxaa kor iyo hoos u wareegi doonaa.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.