Navi Personal Loan Interest Rate Calculator

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Mutual Fund SIP Calculator

Invested Amount

$0

Estimated Returns

$0

Total Value

$0

function calculateSIPWealth() { var p = parseFloat(document.getElementById('monthlyInvestment').value); var r = parseFloat(document.getElementById('returnRate').value); var n = parseFloat(document.getElementById('years').value); if (isNaN(p) || isNaN(r) || isNaN(n) || p <= 0 || r <= 0 || n <= 0) { alert("Please enter valid positive numbers for all fields."); return; } var monthlyRate = (r / 100) / 12; var totalMonths = n * 12; // SIP Formula: M = P × ({[1 + i]^n – 1} / i) × (1 + i) var futureValue = p * ((Math.pow(1 + monthlyRate, totalMonths) – 1) / monthlyRate) * (1 + monthlyRate); var totalInvestedAmount = p * totalMonths; var estimatedReturns = futureValue – totalInvestedAmount; document.getElementById('totalInvested').innerHTML = "$" + totalInvestedAmount.toLocaleString(undefined, {minimumFractionDigits: 0, maximumFractionDigits: 0}); document.getElementById('estReturns').innerHTML = "$" + estimatedReturns.toLocaleString(undefined, {minimumFractionDigits: 0, maximumFractionDigits: 0}); document.getElementById('totalValue').innerHTML = "$" + futureValue.toLocaleString(undefined, {minimumFractionDigits: 0, maximumFractionDigits: 0}); document.getElementById('sipResults').style.display = 'block'; }

Understanding Your SIP Returns

A Systematic Investment Plan (SIP) is one of the most effective ways to build wealth over the long term. By investing a fixed amount regularly in mutual funds, you benefit from the power of compounding and rupee cost averaging.

How the SIP Calculator Works

This calculator uses the standard future value formula for an annuity due to determine how much your monthly investments will grow over time. The formula takes into account your monthly contribution, the expected annual return rate, and the duration of your investment.

Benefits of Investing via SIP

  • Disciplined Saving: Automates your investment habit.
  • Rupee Cost Averaging: You buy more units when prices are low and fewer when prices are high, averaging out the cost.
  • Power of Compounding: Reinvesting your earnings generates further earnings over time.
  • Flexibility: You can start with as little as $50 or $100 per month.

SIP Performance Examples (12% Expected Return)

Monthly Investment 5 Years 10 Years 15 Years
$200 $16,497 $46,467 $100,915
$500 $41,243 $116,169 $252,288
$1,000 $82,486 $232,339 $504,576

Note: Mutual fund investments are subject to market risks. The calculator provides estimates based on the input values and does not guarantee future results.

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