Free Online Financial Calculators

SIP Calculator

Calculate the future value of your monthly mutual fund investments.

Investment Details

Monthly Investment (₹)

Expected Annual Return (%)

Investment Period (Years)

SIP Calculator — Mutual Fund Mein Nivesh Karne Ka Smart Tarika

Agar aap ek salary wale insaan hain aur har mahine thoda-thoda paisa bacha kar apna future secure karna chahte hain, toh SIP (Systematic Investment Plan) aapke liye sabse behtar option hai. SIP mein aapko ek saath badi rakam invest karne ki zaroorat nahi hoti. Aap har mahine ek fix amount mutual funds mein daal sakte hain. Jaise-jaise aapki income badhti hai, aap is amount ko badha sakte hain. Yeh Calculator aapko batata hai ki aapke monthly investments time ke saath kitne bade ho sakte hain.

SIP Ka Formula Kya Hai?

SIP ka calculation thoda complex lag sakta hai kyunki ismein har mahine paisa judta hai. Iska formula yeh hai:

Future Value = P × [((1 + i)^n - 1) / i] × (1 + i)

Yahan:
P = Aapka monthly investment (jaise ₹5000)
i = Monthly interest rate (Annual rate ÷ 12 ÷ 100)
n = Total kitne mahine invest kiya (Years × 12)

Formula dekh kar darr lag sakta hai, lekin ek baat samajh lo: SIP mein compounding ka kamaal hota hai. Aapke jo returns hain, un par bhi interest milta hai. Isliye 10-15 saal ka time SIP ke liye sabse best hota hai.

Examples Se Samjhein

Example 1: Agar aap har mahine ₹5,000 invest karte hain, 12% annual return par, 10 saal ke liye.
Aapne total ₹6,00,000 invest kiye. Lekin aapko maturity par milenge ₹11,61,695 (approx). Yahan aapka wealth gain (returns) ₹5,61,695 hua.

Example 2: Agar aap har mahine ₹10,000 invest karte hain, 15% return par, 15 saal ke liye.
Aapka total investment ₹18,00,000 hoga. Lekin maturity par aapko milenge ₹67,68,000 (approx). Dekhiye, time badhne par paisa kitna zyada badh jata hai!

Example 3: Agar aap har mahine ₹2,000 invest karte hain, 10% return par, 5 saal ke liye.
Total investment ₹1,20,000. Maturity amount: ₹1,55,000. Isme bhi aapko ₹35,000 ka fayda hua.

SIP vs Lumpsum: Kaunsa Better Hai?

Log aksar sochte hain ki ek saath ₹1 lakh lagana better hai ya har mahine ₹5,000. Iska jawab aapke cash flow par depend karta hai. Agar aapko monthly salary aati hai, toh SIP hamesha better hai kyunki ismein "Rupee Cost Averaging" ka fayda milta hai. Market girta hai toh aapko zyada units milte hain, aur market badhta hai toh kam units. Isse aapka average kharcha balance ho jata hai.

Kuch Aam Sawaal Jo Log Poochhte Hain

Q: SIP mein minimum kitna invest karna padta hai?
A: Zyadatar mutual funds mein ₹500 ya ₹1,000 se SIP shuru ki ja sakti hai.

Q: Kya main SIP band kar sakta hoon beech mein?
A: Haan, SIP mein koi lock-in nahi hota (except ELSS). Aap jab chahein SIP band kar sakte hain ya paisa nikaal sakte hain.

Q: Kya SIP safe hai?
A: Mutual funds market linked hote hain, isliye inmein risk hota hai. Lekin agar aap 5-7 saal se zyada ka time dein, toh historical data ke hisaab se risk kaafi kam ho jata hai.

Q: SIP par tax kaise lagta hai?
A: Equity mutual funds mein 1 saal se zyada hold karne par 10% LTCG tax lagta hai (₹1 lakh se zyada gain par). 1 saal se kam hold karne par 15% STCG tax lagta hai.

Yeh Calculator Kab Use Karein

Jab aap kisi financial goal (jaise bachchon ki padhai, ghar ka down payment, ya retirement) ke liye invest karna shuru karein, tab is calculator se check karein ki aapko target amount tak pahunchne ke liye kitna monthly invest karna hoga. Isse aap apna budget plan kar sakte hain.

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