SIP Calculator | Managing Finance

Plan Your Financial Future in Minutes

Use our free SIP Calculator to estimate your investment returns, visualize compounding, and start building wealth today — no sign-up required.

Why Use Our SIP Calculator?

Simple Inputs

Just enter your monthly investment, time period, and expected return rate.

Visual Growth Charts

See how your wealth grows month by month with powerful visuals.

Customizable Results

Test different scenarios to find the perfect investment plan for you.

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

Get best loans in minutes: Navi – Instant Personal loan

Get Best Loans in Minutes – A Navi loan is a special type of loan that offers you the opportunity to finance more than one item. For example, if you are buying furniture for your living room and bedroom, then this is an excellent option for you. This is because you will be able to get the money required to buy both items with just one application instead of having to fill out two applications.

Navi loan provides you loans upto ₹5 lakh instantly through a completely paperless process. Instant Loan

Loan amount: From ₹10,000 to ₹500,000
Interest rates: From 12% to 36% per annum
Tenure: 90 days to 36 months
Processing fees : 3.99% (Min Rs 1,499+GST and Max Rs 7,499+GST)

Example
Loan Amount: Rs 50,000
Tenure: 12 Months
Interest Rate : 22% (on Reducing Principal Balance interest calculation)
EMI Amount: Rs 4,680
Total Interest Payable: Rs 4,680 x 12 months – Rs 50,000 Principal = Rs 6,160
Processing Fees (incl. GST): Rs 1,475
Disbursed Amount: Rs 50,000 – Rs 1,475 = Rs 48,525
Total Amount Payable : Rs 4,680 x 12 months = Rs 56,160
Total Cost of the Loan = Interest Amount + Processing Fees = Rs 6,160 + Rs 1,475 = Rs 7,635

Loan Amount: Rs 50,000
Tenure: 12 Months
Interest Rate : 22% (on Reducing Principal Balance interest calculation)
EMI Amount: Rs 4,680
Total Interest Payable: Rs 4,680 x 12 months – Rs 50,000 Principal = Rs 6,160
Processing Fees (incl. GST): Rs 1,475
Disbursed Amount: Rs 50,000 – Rs 1,475 = Rs 48,525
Total Amount Payable : Rs 4,680 x 12 months = Rs 56,160
Total Cost of the Loan = Interest Amount + Processing Fees = Rs 6,160 + Rs 1,475 = Rs 7,635

Get best loans in minutes

Navi is a new age digital platform which provides you easy access to Instant Personal Loans upto Rs 5 lakhs and Home Loans upto Rs 1.5 crores in a seamless and transparent manner.
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Home Loans

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3. Tenure: Upto 25 years
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Home Loan Features

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Personal Loan Features

1. Upto Rs 5,00,000 limit
2. Instant money transfer to bank account
3. No bank statement or salary slip requirement
4. 100% paperless process
5. Minimal documentation. No printouts required
6. Flexible loan and EMI amount options
7. Instant eligibility check
8. No security deposit (collateral)

Eligibility

1. Indian citizen
2. Age above 18 years
3. Select cities

Documents requirement

1. PAN number
2. Aadhaar number

How to apply

1. Install Navi App
2. Register using your mobile number
3. Fill your basic details to check your loan eligibility
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Customer care : help@navi.com for any of your queries.

Operational Cities

• Delhi NCR – New Delhi, Gurgaon, Noida, Greater Noida, Ghaziabad, Faridabad
• Chandigarh
• Maharashtra: Mumbai, Navi Mumbai, Thane, Pune, Nagpur, Ahmed Nagar, Kolhapur, Aurangabad, Nashik, Satara
• Karnataka: Bangalore, Mysore, Udupi, Dharwad, Kolar, Hassan, Mandya
• Tamil Nadu: Chennai, Tiruchirappalli, Erode, Madurai, Vellore, Salem
• West Bengal: Kolkata, Hoogly, Howrah
• Punjab: Amritsar, Ludhiana, Jalandhar, Mohali, Ropar, Bathinda, Fatehgarh Sahib
• Gujarat: Ahmedabad, Vadodara, Valsad
• Telangana: Hyderabad, Secunderabad, Mahabubnagar
• Madhya Pradesh: Indore
• Odisha: Bhubaneshwar, Cuttack
• Rajasthan: Jaipur, Udaipur, Ajmer, Alwar, Kota, Jhujhunu
• Uttar Pradesh: Ghaziabad, Noida, Lucknow, Jhansi
• Uttarakhand: Dehradun
• Bihar: Patna, Gaya
• Jharkhand: Ranchi
• Andhra Pradesh: Visakhapatnam (Vizag), Ananthapur, Chittoor, Guntur, Krishna, East Godavari
• Haryana: Ambala, Karnal, Kurukshetra, Panchkula, Panipat
• Kerala: Ernakulam, Kollam, Kottayam, Thiruvananthapuram, Thrissur
• Pondicherry

The Ultimate Guide To Get Best Loans in Minutes