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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey
In 2020, I was saving ₹5,000/month with no real strategy. I stumbled into SIPs by chance. Today, that same habit has grown into ₹6,12,000 — and taught me 3 major lessons about compounding, patience, and mistakes I wish I avoided earlier.
📉 What Went Wrong in Year 1
In my first year, I panicked during a market dip and pulled out my SIP investments. That single move cost me potential gains and broke the compounding chain. I learned the hard way that reacting emotionally to market swings is a recipe for regret.
📈 Lesson Learned: Consistency Beats Timing
- Missed rallies by being out of the market
- Lost out on rupee cost averaging
- Peace of mind improved with automation and discipline
🔄 My Portfolio Before vs After
Before (2020)
- Random savings in bank account
- No real investment plan
- Low returns (2-3% p.a.)
After (2023)
- Disciplined SIPs in diverse mutual funds
- Portfolio value: ₹6,12,000
- Average returns: 13-15% p.a.
🧠 What I’d Do Differently If Starting Again
If I could start over, I’d set up my SIPs and forget about the daily market noise. I’d diversify a bit more, avoid panic-selling, and trust the process. Most importantly, I’d start even earlier — because time is your biggest ally in compounding.
Bitcoin fanatics look like shrugging off final week’s outflows from US exchange-traded funds, with the most important cryptocurrency climbing again above $70,000 once more. Most digital belongings had been greater Monday, with Bitcoin gaining as a lot as 7.1% to $70,816. That’s the primary time the token has been above $70,000 in additional than every week. Ether was up round 6%, whereas Solana and Dogecoin had been each greater than 4% greater.Nearly $900 million was pulled from these ETFs final week, reflecting continuous outflows from the Grayscale Bitcoin Belief in addition to a moderation in subscriptions for choices from BlackRock Inc and Constancy Funding. The group of 10 funds noticed one of many worst weeks of the yr since they had been launched in January. “Even though ETF inflows have hit a drag, order books are loaded on the bid side around the 60k area, showing that the market is eager to buy the dip,” mentioned Nathanaël Cohen, co-founder at digital-asset hedge fund INDIGO Fund. “You need to go get the liquidity at lower levels to then catch a bid and generate momentum to go higher.” The brand new demand from Bitcoin ETFs has been a primary driving drive behind the historic rally within the largest cryptocurrency this yr. Robust inflows into the funds sparked optimism round an exponential development of the asset class from a wider vary of traders. Nonetheless, the outsized outflows final week triggered extra hedges amongst merchants in opposition to decrease costs in addition to vital liquidations within the leveraged bullish bets within the crypto futures market. Shares of crypto-related corporations additionally jumped. Bitcoin proxy MicroStrategy gained 20%, crypto change Coinbase World elevated 9% and miner Marathon Digital rose 5%.
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