I-Calculator ye-SIP
I-Accounting and Finance (i-AFF) ibonelela ngeenkcukacha zolawulo lwemali-mboleko.
Iinketho ze projekti
Malunga nale Calculator
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.
Imibuzo ebuza rhoqo
Yintoni ifomula yobudala beSIP?
FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), apho iP ikwimali yenyanga, i ikwimali ebuyiselweyo yenyanga (yeminyaka le ÷ 12) ne n inani lenyanga. Okugqityiweyo (1 + i) kubonakalisa ukutyala imali ekuqaleni kwenyanga nganye.
Ingaba i-SIP iqinisekisiwe ukuba ibuyisela imali?
I-SIPs ihlala ityala imali kwimali ehambelana nentengiso, ngoko ke ukubuyiswa okulindelekileyo kukholelwa, hayi kuthethwa. Iimpumelelo ezibonakalayo zitshintsha ngonyaka nonyaka — ngenisa ixabiso elifanelekileyo, elikhuselekileyo lokucwangcisa.
Yintoni i-SIP enyukayo?
I-SIP enyukayo (okanye enyukayo) inyusa inkxaso yakho yenyanga ngepesenti emiselweyo ngonyaka ngamnye, ihlala ihambelana nokufumana okunyukayo. Ukufaka inkxaso yeminyaka le-100 apha kubonisa ukuba nokuba kunyuka okuncinci konyaka, kunokwenza ukuba i-corpus yexesha elizayo ikhule ngokufanelekileyo xa kuthelekiswa ne-inkxaso ethe tyaba.
Ingaba iSIP ingcono kunemali ethe tyaba?
A SIP spreads investment over time, averaging your purchase price and reducing the risk of buying everything at a market peak — known as rupee- or dollar-cost averaging. A lump sum can win when markets rise steadily, but a SIP suits investors saving from monthly income.
Isebenza njani iSIP compounding?
Iingxowa-mali zonyaka zonke ziqala ukufumana iinzala ngokuzenzekelayo kwaye ezi zinto zifumana iinzala zabo, ngoko ke iindleko eziphambili zikhula kakhulu. Le nto ibangela ukuba ukuqala kweSIP kuqala, nokuba ngemali encinci, kunzima kakhulu kune-SIP enkulu eqala kamva.
Yintoni ekufuneka ndiyilindele kwi-SIP?
Sebenzisa umlinganiselo ocacileyo oqhubekayo wohlobo lwemali-mboleko - imali-mboleko ye-equity iphinde yabuyela ngaphezulu kunemali-mboleko yetyala kodwa ngezinga lokutshintsha. Umbono okhuselekileyo ugcina i-corpus elindelekileyo ithembekile, kuba i-returns ebonakalayo yonyaka-nge-nyaka iya kunyuka iphakame iphantsi.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
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);Results are estimates for general guidance only, not financial, medical or tax advice.