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How I Turned ₹5,000/month into ₹6 Lakhs — My 3-Year SIP Journey

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.
  • Start SIPs as early as possible
  • Stay consistent, ignore short-term volatility
  • Review portfolio annually, not monthly
  • Invest for long-term goals, not quick gains

HYDERABAD: Hinduja group firm GOCL Company Restricted (GOCL) has entered right into a joint growth MoU with Squarespace Builders Personal Restricted for strategic monetisation of 264.50 acres of prime land in Kukatpally for Ra 3402 crore.The settlement with Squarespace Builders additionally contains the joint growth of 32 acres of land beneath a Joint Growth Settlement (JDA), in collaboration with Hinduja Estates Personal Restricted, now often called Hinduja Healthcare Restricted (HHL), GOCL stated on Wednesday.The corporate stated the method will get accomplished over an 18-month interval in rigorously deliberate tranches, contingent upon the fulfilment of any related covenants.The corporate has commenced the fast sale of 12.50 acres of land from the beforehand talked about 32 acres beneath the JDA.As the primary tranche, the corporate will obtain a fee of INR 520 crore, of which Rs 160 crore would be the consideration for the sale of 12.50 acres, it stated in a regulatory submitting. The remaining funds will probably be disbursed to the corporate in phases by way of subsequent transactions sooner or later, it added.GOCL and its subsidiaries provide different vary of merchandise in energetics and business explosives. It develops particular merchandise for defence & house sector and specialises in metallic cladding options utilizing explosives.GOCL has just lately forayed into electronics and can also be creating giant actual property tasks in Bengaluru & Hyderabad.

#GOCL #ties #Squarespace #Builders #monetise #acres #Hyderabad #crore

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