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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.
NEW DELHI: As inflation charges in Pakistan reached an alarming fee of 32.89% on Friday, the central financial institution of Pakistan stored the important thing pursuits on maintain at 22% for the sixth straight time period.Calling the transfer an effort to convey the inflation charges right down to 5-7% by September 2025, the central financial institution stated, “Inflation warrants a cautious approach, requires continuity of current monetary stance to bring inflation down to target range of 5 – 7% by Sept 2025”.This comes after the cash-strapped nation witnessed a 1.35 p.c enhance in weekly inflation, marking a major improvement simply two weeks after the brand new authorities was fashioned, in keeping with the Delicate Worth Indicator (SPI).Information from the statistics division signifies that costs of 18 important gadgets have risen, whereas 14 gadgets have skilled a lower, and 23 merchandise have maintained their costs.Moreover, Pakistan has initiated discussions with the worldwide lender concerning the ultimate tranche of USD 1.1 billion beneath the SBA program, as reported by ARY Information. Pakistan is predicted to hunt a brand new deal beneath the 36-month Prolonged Fund Facility (EFF) throughout the negotiations. Sources point out that Pakistan might request a contemporary mortgage program from the IMF within the vary of USD 6-8 billion.
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