SIP Calculator

Har mahine thodi-thodi rakam mutual fund me lagana hi SIP hai. Ye calculator batata hai ki aapki SIP kitne saal me kitni ban sakti hai. Rakam, return aur saal daalein — jawab turant milega, na login, na koi charge.

SIP ka hisaab kaise lagta hai?

SIP ka formula compounding par chalta hai. Har mahine ki kist par uske baad ke saare mahino ka byaj lagta hai. Isi liye 10 saal ki SIP me aapka apna paisa kam aur "badha hua" hissa zyada hota hai.

Ek chhota example

Maan lijiye aap har mahine ₹5,000 lagate hain, 12% saalana return maankar, 15 saal ke liye. Aapne apni jeb se kul ₹9 lakh diye — par maturity par rakam ₹25 lakh ke aaspaas ban sakti hai. Yaani ₹16 lakh se zyada compounding se aaya. Yahi SIP ki asli taakat hai — paisa nahi, samay kaam karta hai.

SIP me 4 zaroori baatein

• Jaldi shuru karo: 25 ki umar me shuru ki gayi ₹2,000 ki SIP, 35 me shuru ki gayi ₹5,000 ki SIP se aage nikal sakti hai.
• Beech me band mat karo: market girte hi SIP rokna sabse badi galti hai. Girta market to saste me zyada units deta hai.
• Har saal rakam badhao: salary badhe to SIP bhi 10% badha do — isse corpus lagbhag dugna ho sakta hai.
• Return ka anuman thanda rakho: 12% ek aam anuman hai, garanti nahi. Kabhi zyada, kabhi kam milta hai.

Ye calculator kaise istemaal karein

1. Har mahine kitna laga sakte hain, wo rakam daalein.
2. Ummeed ka saalana return daalein (equity ke liye aam taur par 10-12%).
3. Kitne saal chalayenge, wo daalein.
4. "Hisaab lagao" dabayein — total value, aapka lagaya paisa aur munafa alag-alag dikh jaayega.

Yaad rahe, ye anuman hai. Asli return market par depend karta hai aur upar-neeche hota rehta hai.

Teen asli misaal — number ke saath

Misaal 1 — chhoti shuruaat. Aap 25 saal ki umar me ₹2,000 mahina SIP shuru karte hain, 12% saalana return maankar, 30 saal ke liye. Aap kul ₹7,20,000 lagayenge. Maturity par rakam lagbhag ₹70 lakh banti hai. Yaani jo aapne lagaya uska kareeb 10 guna — aur ye sirf isliye ki samay lamba tha.

Misaal 2 — 10 saal ki deri. Wahi ₹2,000 mahina, wahi 12%, par shuruaat 35 saal ki umar me — 20 saal ke liye. Kul ₹4,80,000 lagega aur maturity lagbhag ₹20 lakh. Sirf 10 saal der karne se corpus 70 lakh se ghat kar 20 lakh reh gaya.

Misaal 3 — step-up ka asar. ₹5,000 mahina se shuru karke har saal SIP me 10% badhotri, 12% return, 20 saal. Bina step-up ke corpus lagbhag ₹50 lakh banta, par step-up ke saath ye ₹85-90 lakh ke aas-paas pahunch jaata hai. Rakam wahi thi, bas har saal thodi badhti gayi.

Log yahan galti kya karte hain

1. Market girte hi SIP band kar dena. Ye sabse mehngi galti hai. Girta market SIP ka dushman nahi, dost hai — usi waqt aapko saste me zyada units milte hain. SIP band karne ka matlab hai sale ke din dukan se nikal jaana.
2. Bahut zyada return maan lena. Calculator me 20-25% daal kar khush ho jaana aasaan hai, par asli equity fund lambe samay me aam taur par 10-14% ke aas-paas rehte hain. Planning me 12% se zyada mat maaniye — kam maan kar zyada milna achha hai, ulta nahi.
3. Har saal fund badalna. Kisi fund ko kaam karne ka samay dena zaroori hai. Har 6 mahine me fund badalne se sirf exit load aur tax lagta hai, return nahi badhta.
4. Emergency fund banaye bina SIP shuru karna. Phir jab achanak paise ki zaroorat padti hai, to SIP hi todni padti hai — aur aksar wahi waqt hota hai jab market neeche hota hai.
5. Salary badhne par SIP na badhana. Income 50% badh gayi par SIP wahi ₹2,000 — ye sabse chupa hua nuksan hai.

Bharat me SIP par tax ka hisaab

Ye baat calculator me nahi dikhti par asli paise par asar daalti hai. Mutual fund par tax tab lagta hai jab aap units bechte hain, har saal nahi.

• Equity fund: ek saal se zyada rakhne par long-term capital gain maana jaata hai, aur ek tay chhoot ke upar ke munafe par tax lagta hai. Ek saal se kam me becha to short-term ka alag, zyada rate lagta hai.
• Debt fund: ke niyam alag hain aur pichhle kuch saalon me badle hain — badi rakam nikalne se pehle CA se confirm karein.
• ELSS fund: me 3 saal ka lock-in hota hai par Old Regime me 80C ki chhoot milti hai.

SIP ke saath ye tools bhi dekh lein

Sirf SIP ka number kaafi nahi hota. In tools se poori tasveer banti hai:

• Compound Interest Calculator — samay ka jaadu alag se samajhne ke liye
• Goal ke liye Lumpsum — agar ek saath paisa lagana ho
• SIP Delay Ka Nuksan — der karne par kitna ghata, ye seedha dikhata hai
• Step-up SIP — har saal rakam badhane par kitna farak padega
• Emergency Fund Guide — SIP shuru karne se pehle ye zaroori hai

Aksar pooche jaane wale sawaal