SIP Calculator Kaise Use Karein? Step-by-Step Guide with Examples (India)

 

SIP Calculator Kaise Use Karein? (With Examples)

Jab bhi hum SIP start karne ki baat karte hain, ek common sawal hota hai:
👉 “Main kitna paisa invest karun, aur future me mujhe kitna milega?”

Yahin par SIP Calculator ka use hota hai.
SIP calculator ek simple online tool hai jo aapko ye estimate deta hai ki monthly SIP karne par future me aapka investment kitna grow ho sakta hai.

Is blog me hum step-by-step samjhenge ki SIP calculator kaise use karein, aur real examples ke saath clear understanding banayenge.

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SIP Calculator Kya Hota Hai?

SIP calculator ek online tool hota hai jo 3 main cheezon ke base par calculation karta hai:

1. Monthly SIP amount

2. Investment duration (years)

3. Expected annual return

Iske through aap easily jaan sakti ho:

• Total invested amount

• Estimated returns

• Maturity amount

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SIP Calculator Use Karne ke Steps

Step 1: Monthly SIP Amount Enter Karein

Yahan aap wo amount daalte ho jo aap har month invest karna chahti ho.
👉 Example: ₹5,000 per month

Step 2: Investment Duration Select Karein

Kitne saal tak SIP karni hai.
👉 Example: 10 years, 15 years ya 20 years

Step 3: Expected Return Rate Enter Karein

Normally equity mutual funds ke liye 10%–12% average return consider kiya jata hai.

Step 4: Calculate Button Par Click Karein

Calculator turant aapko result dikha dega:

• Total investment

• Total returns

• Final maturity value

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Example 1: Beginner ke Liye Simple SIP Plan

• Monthly SIP: ₹3,000

• Duration: 15 years

• Expected Return: 10%

👉 Total Invested: ₹5.4 lakh
👉 Estimated Value: approx ₹12 lakh

Yani aapne sirf discipline se SIP karke apna paisa double se bhi zyada grow kar liya.

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Example 2: Long-Term Wealth Creation

• Monthly SIP: ₹10,000

• Duration: 20 years

• Expected Return: 12%

👉 Total Invested: ₹24 lakh
👉 Estimated Value: approx ₹1 crore

Is example se clear hota hai ki time + consistency = wealth creation.

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SIP Calculator Use Karne ke Fayde

• Goal planning easy ho jati hai

• Monthly SIP decide karna simple hota hai

• Motivation milti hai long-term invest karne ki

• Over-expectation se bachne me help karta hai

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Important Point Yaad Rakhein

SIP calculator sirf estimate deta hai.
Actual returns market performance par depend karte hain.
Lekin planning ke liye ye tool bahut powerful hai.

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Final Thoughts

Agar aap SIP start karna chahti ho, to SIP calculator aapka best friend ban sakta hai.
Ye aapko clarity deta hai aur investment journey ko confident banata hai.

SIP me amount se zyada important hai time aur discipline.