एसआयपी मासिक हप्ता कॅल्क्युलेटर

1. आपला उद्दिष्ट निधी भरा, म्हणजे आपल्याला जमा करायची असलेली रक्कम (उदाहरणार्थ निवृत्तीसाठी ₹50,00,000).
2. म्युच्युअल फंडाचा अपेक्षित वार्षिक परतावा भरा. इक्विटीसाठी 10 ते 12% हा सर्वसाधारण अंदाज आहे.
3. गुंतवणुकीचा कालावधी वर्षांत भरा.
4. आवश्यक मासिक एसआयपी आपण टाइप करताच बदलते, आणि सोबत एकूण गुंतवणूक आणि अंदाजे परतावाही. निकाल PDF म्हणून सेव्ह करा किंवा शेअर करा.

Planning a SIP backwards

This SIP installment calculator works in reverse. You set the amount you want to reach, and it tells you how much to invest each month to get there. That's the idea behind goal-based investing, the approach most financial planners recommend.

Common financial goals

• Retirement corpus: ₹2–5 crore for a comfortable retirement. If you start at 30, you need far less each month than if you start at 40.
• Child's education: IIT/IIM fees are projected at ₹25–50 lakh by 2035, so a SIP started now gives you time.
• Home down payment: 20% of a ₹60 lakh flat is ₹12 lakh, needed in 3–5 years.
• A car or a big holiday: for short-term goals like these, debt fund SIPs are a better fit because the risk is lower.

Why starting early matters so much

Say you want ₹1 crore by age 60 and expect 12% a year. Start at 25 and you need about ₹1,540 a month. Start at 35 and it's about ₹5,270. Start at 45 and it jumps to about ₹19,800 a month. The years you give the money to grow do most of the work.