I-Calculator
Iphrojekthi isilinganiso sokuphelelwa yisikhathi sezinhlelo zokutshala imali eziqhubekayo zenyanga (SIP).
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Yini i-SIP maturity formula?
FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), lapho P ilingana nenani lenyanga, i ibuyisela inyanga (ngonyaka ÷ 12) futhi n inani lenyanga. Okusobala (1 + i) kukhombisa ukutshala imali ekuqaleni kwenyanga ngayinye.
Ingabe iSIP ibuyiselwa imali?
No. SIPs ngokuvamile utshala imali ezimakethe-ehlobene amasheya, ngakho ukubuyela okulindelekile kuyinto ecabanga, hhayi ithemba. Iziphetho zangempela zihluka ngonyaka kuya ngonyaka - ngenisa realistic, isilinganiso conservative ukuhlela.
Yini i-SIP ehamba phambili?
I-step-up (noma top-up) SIP ikhuphula inkontileka yakho yenyanga ngosayizi obekwe ngo-100% ngonyaka, ngokuvamile ukufana nokuthola okuphezulu. Ukungenisa inkontileka yeminyaka emibili lapha ibonisa ukuthi ngisho nokunyuka okuncane ngonyaka kungathuthukisa ngokunengqondo i-corpus ekugcineni uma kuqhathaniswa ne-inkontileka ephansi.
Ingabe iSIP ingcono kunalokho okungokwezimali?
A SIP isakazeka inkokhelo ngesikhathi, averageing intengo yakho yokuthenga futhi ukuncipha ingozi yokuthenga konke emakethe ephakeme - ebizwa ngokuthi rupia- noma dollar-izindleko averageing. A lump inani ingawina uma amamakethe phezulu ngokuqinile, kodwa a SIP ilungele abatshalizimali ukulondoloza kusuka imali engenayo ngenyanga.
Indlela SIP compounding umsebenzi?
Usizo ngalunye lwenyanga luqala ukukhokha izikweletu ngokushesha futhi lezi izikweletu ziqala ukukhokha izikweletu zabo, ngakho-ke izibalo ezingaphambili zikhula kakhulu. Lokhu kusho ukuthini ukuqala iSIP kuqala, ngisho nenani elincane, njalo ushaya SIP enkulu yaqala ngemuva.
Yini engingayenza ukubuyisela imali engenayo yeSIP?
Sebenzisa isithombe esingokoqobo eside sohlobo lwemali-mboleko - imali-mboleko ye-equity iphinde yabuyela ngaphezulu kunemali-mboleko ye-debt kodwa nge-volatility engaphezulu. Ukucabanga okulondolozayo kugcina i-corpus elindelekile ngokuvumelana, njengoba i-yiminyaka-nge-minyaka eqondile ibuyela kuzoshintsha phezulu nangaphansi kwayo.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.