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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.
SYDNEY: New Zealand stated on Monday a free commerce settlement with the European Union would come into impact on Might 1, after the nation’s parliament ratified the deal. New Zealand notified the European Union it ratified the settlement earlier on Monday, Commerce and Agriculture Minister Todd McClay stated in a press release. Wellington and Brussels signed the deal in July 2023, with the European Parliament ratifying its aspect of the settlement in November. New Zealand expects the deal to learn its beef, lamb, butter and cheese industries, in addition to eradicating tariffs on different exports like its iconic kiwi fruit. The EU will see tariffs lifted on its exports together with clothes, chemical compounds, prescription drugs and vehicles, in addition to wine and confectionary. The EU is New Zealand’s fourth-largest commerce associate, based on authorities knowledge, with two-way items and companies commerce value NZ$20.2 billion ($12.10 billion) in 2022.
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