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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

NEW DELHI: India’s energy ministry will study invoking an emergency rule to run gas-fired energy vegetation in the course of the summer time, a part of a collection of measures to make sure uninterrupted provides.The federal government will take into account take into account imposing part 11 of the electrical energy regulation, which authorizes it to order energy stations to function, the ability ministry stated in a press release Tuesday. India is headed for essential elections that coincide with the summer time months of April to June that witness scorching heatwaves in lots of components, pushing up demand for electrical energy. Warmth waves are anticipated for 10 to twenty days in numerous areas in the course of the three-month interval, in opposition to a standard of 4 to eight days, the climate division forecast Monday.India beforehand invoked the emergency rule to ask vegetation operating on imported coal to function at full capability. These instructions, which had been in drive till the top of June, will now be efficient by Sept. 30, in line with the assertion. India’s electrical energy legal guidelines permit the federal government to drive any energy station to function as directed in extraordinary circumstances, akin to a pure catastrophe or a menace to nationwide safety or public order. The ministry additionally requested coal vegetation that had deliberate a scheduled upkeep in the course of the summer time months to think about delaying the shutdowns till the monsoon interval, when the electrical energy demand is predicted to ease. As a lot as 10.7 gigawatts of capability is due for a deliberate shutdown in the course of the quarter by June, in line with the ministry.

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