{"id":9004,"date":"2026-09-28T10:00:00","date_gmt":"2026-09-28T10:00:00","guid":{"rendered":"https:\/\/niveshsankalp.com\/?page_id=9004"},"modified":"2026-10-23T19:37:33","modified_gmt":"2026-10-23T14:07:33","slug":"calculators","status":"publish","type":"page","link":"https:\/\/niveshsankalp.com\/hi\/calculators\/","title":{"rendered":"Calculators"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\" style=\"text-transform:none\"><strong>SIP &amp; Mutual Fund calculators<\/strong><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Explore possible outcomes, compare scenarios, and make more informed investment conversations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Plan your financial goals with our free<\/em> <strong>SIP calculator<\/strong> <em>and mutual fund investment tools. Whether you are investing for retirement, your children&#8217;s higher education, or building long-term wealth in Bhagalpur, use these calculators to estimate your potential returns through disciplined monthly investing.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These calculations are illustrations only. Actual mutual fund returns are market-linked, may vary, and are not guaranteed. Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. <em>Mutual fund calculators provide indicative projections based on historical asset class performance as per<\/em> <strong><a href=\"https:\/\/www.amfiindia.com\" target=\"_blank\" rel=\"noopener\">AMFI<\/a> <\/strong>guidelines<em>.<\/em> The calculators do not account for taxes, exit loads, or expense ratios.<\/p>\n\n\n\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Public+Sans:wght@400;500;600');\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Source+Serif+4:wght@600');\n\n.nsc{\n  --ink:#10232E; --muted:#556873; --line:#D3DDE2; --panel:#F2F6F7; --paper:#FFFFFF;\n  --teal:#0E5A5F; --teal-dark:#0A4246; --saffron:#E39B2E; --alert:#9B2C2C;\n  font-family:'Public Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;\n  color:var(--ink); background:var(--paper); max-width:1040px; margin:0 auto;\n  border:1px solid var(--line); border-radius:6px; overflow:hidden; line-height:1.5;\n  box-sizing:border-box;\n}\n.nsc *, .nsc *::before, .nsc *::after{ box-sizing:border-box; }\n.nsc-tabs{ display:flex; gap:0; overflow-x:auto; background:var(--panel); border-bottom:1px solid var(--line); -webkit-overflow-scrolling:touch; }\n.nsc-tab{\n  appearance:none; border:0; background:transparent; cursor:pointer; white-space:nowrap;\n  padding:14px 20px; font:500 15px\/1 'Public Sans',system-ui,sans-serif; color:var(--muted);\n  border-bottom:3px solid transparent; margin:0; border-radius:0;\n}\n.nsc-tab:hover{ color:var(--ink); }\n.nsc-tab[aria-selected=\"true\"]{ color:var(--teal-dark); border-bottom-color:var(--saffron); font-weight:600; background:var(--paper); }\n.nsc-tab:focus-visible, .nsc-cta:focus-visible, .nsc summary:focus-visible, .nsc input:focus-visible{ outline:3px solid var(--saffron); outline-offset:2px; }\n\n.nsc-intro{ margin:0; padding:20px 24px 0; color:var(--muted); font-size:15px; max-width:70ch; }\n.nsc-grid{ display:grid; grid-template-columns:1fr 1fr; gap:0; }\n.nsc-inputs{ padding:20px 24px 24px; }\n.nsc-result{ padding:24px; background:var(--panel); 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color:var(--muted); }\n.nsc-legend b{ display:inline-block; width:10px; height:10px; border-radius:2px; margin-right:6px; vertical-align:baseline; }\n.nsc-stats{ margin:0; padding:0; list-style:none; border-top:1px solid var(--line); }\n.nsc-stats li{ display:flex; justify-content:space-between; gap:16px; padding:10px 0; border-bottom:1px solid var(--line); font-size:15px; }\n.nsc-stats li span:first-child{ color:var(--muted); }\n.nsc-stats li span:last-child{ font-weight:600; text-align:right; }\n.nsc-msg{ margin:0; padding:14px 16px; border-left:4px solid var(--alert); background:#FBEDED; color:var(--alert); font-size:15px; }\n.nsc-cta{\n  display:inline-block; margin-top:20px; padding:12px 20px; background:var(--teal); color:#fff !important;\n  text-decoration:none !important; font-weight:600; font-size:15px; border-radius:4px;\n}\n.nsc-cta:hover{ background:var(--teal-dark); }\n\n.nsc details{ border-top:1px solid var(--line); padding:0 24px; }\n.nsc summary{ cursor:pointer; padding:14px 0; font-weight:600; font-size:15px; color:var(--teal-dark); }\n.nsc-scroll{ overflow-x:auto; padding-bottom:16px; max-height:420px; overflow-y:auto; }\n.nsc table{ width:100%; border-collapse:collapse; font-size:14px; margin:0; }\n.nsc th, .nsc td{ padding:8px 10px; text-align:right; border-bottom:1px solid var(--line); white-space:nowrap; }\n.nsc th:first-child, .nsc td:first-child{ text-align:left; }\n.nsc th{ position:sticky; top:0; background:var(--paper); font-weight:600; color:var(--muted); }\n.nsc-disc{ margin:0; padding:16px 24px 20px; border-top:1px solid var(--line); font-size:12.5px; color:var(--muted); }\n\n@media (max-width:760px){\n  .nsc-grid{ grid-template-columns:1fr; }\n  .nsc-result{ border-left:0; border-top:1px solid var(--line); }\n  .nsc-tab{ padding:13px 14px; font-size:14px; }\n}\n@media (prefers-reduced-motion:reduce){ .nsc-bar i{ transition:none; } }\n<\/style>\n\n<div class=\"nsc\"\n     data-calcs=\"sip,stepup,lumpsum,compound,goal,swp,retirement\"\n     data-default=\"sip\"\n     data-cta-text=\"Discuss this plan with me\"\n     data-cta-url=\"https:\/\/wa.me\/918271924315?text=Hello%20Archana%2C%20I%20would%20like%20to%20discuss%20my%20investment%20goals.\"><\/div>\n\n<script>\n(function () {\n  \/\/ ---- EDIT THIS: shown under every calculator -----------------------------\n  var DISCLAIMER = 'This calculator is for illustration only and does not guarantee returns. ' +\n    'Actual mutual fund returns vary with market conditions. Mutual fund investments are subject to market risks. ' +\n    'Read all scheme related documents carefully. Past performance may or may not be sustained in the future. ' +\n    'ARCHANA SHARMA | AMFI Registered Mutual Fund Distributor | ARN 338632. Not a SEBI Registered Investment Adviser.';\n  \/\/ --------------------------------------------------------------------------\n\n  var INR = new Intl.NumberFormat('en-IN', { maximumFractionDigits: 0 });\n  function rs(n) { return '\\u20B9' + INR.format(Math.round(n)); }\n  function short(n) {\n    var a = Math.abs(n);\n    if (a >= 1e7) return '\\u20B9' + (n \/ 1e7).toFixed(2) + ' Cr';\n    if (a >= 1e5) return '\\u20B9' + (n \/ 1e5).toFixed(2) + ' L';\n    return rs(n);\n  }\n  function yrsText(months) {\n    var y = Math.floor(months \/ 12), m = months % 12, out = [];\n    if (y) out.push(y + (y === 1 ? ' year' : ' years'));\n    if (m) out.push(m + (m === 1 ? ' month' : ' months'));\n    return out.join(' ') || '0 months';\n  }\n  \/\/ Future value of a monthly SIP (investment at start of each month)\n  function sipFV(p, annualPct, years) {\n    var i = annualPct \/ 1200, n = Math.round(years * 12);\n    if (i === 0) return p * n;\n    return p * ((Math.pow(1 + i, n) - 1) \/ i) * (1 + i);\n  }\n\n  var CALCS = {\n    sip: {\n      name: 'SIP',\n      intro: 'See how a fixed monthly investment can grow over time.',\n      fields: [\n        { id: 'amt', label: 'Monthly investment', min: 500, max: 200000, step: 500, val: 10000, pre: '\\u20B9' },\n        { id: 'rate', label: 'Expected return (per year)', min: 1, max: 30, step: 0.5, val: 12, suf: '%' },\n        { id: 'yrs', label: 'Time period', min: 1, max: 40, step: 1, val: 15, suf: 'yrs' }\n      ],\n      run: function (v) {\n        var fv = sipFV(v.amt, v.rate, v.yrs), inv = v.amt * 12 * v.yrs, rows = [];\n        for (var y = 1; y <= v.yrs; y++) {\n          rows.push(['Year ' + y, rs(v.amt * 12 * y), rs(sipFV(v.amt, v.rate, y))]);\n        }\n        return {\n          headLabel: 'Estimated value after ' + v.yrs + ' years', head: fv,\n          split: { a: ['Amount invested', inv], b: ['Estimated returns', fv - inv] },\n          stats: [['Amount invested', rs(inv)], ['Estimated returns', rs(fv - inv)], ['Total value', rs(fv)]],\n          table: { head: ['Year', 'Invested', 'Value'], rows: rows }\n        };\n      }\n    },\n\n    stepup: {\n      name: 'Step-up SIP',\n      intro: 'Increase your SIP every year as your income grows.',\n      fields: [\n        { id: 'amt', label: 'Starting monthly investment', min: 500, max: 200000, step: 500, val: 10000, pre: '\\u20B9' },\n        { id: 'step', label: 'Yearly increase in SIP', min: 0, max: 30, step: 1, val: 10, suf: '%' },\n        { id: 'rate', label: 'Expected return (per year)', min: 1, max: 30, step: 0.5, val: 12, suf: '%' },\n        { id: 'yrs', label: 'Time period', min: 1, max: 40, step: 1, val: 15, suf: 'yrs' }\n      ],\n      run: function (v) {\n        var i = v.rate \/ 1200, bal = 0, inv = 0, rows = [], n = v.yrs * 12;\n        for (var m = 0; m < n; m++) {\n          var sip = v.amt * Math.pow(1 + v.step \/ 100, Math.floor(m \/ 12));\n          bal = (bal + sip) * (1 + i);\n          inv += sip;\n          if ((m + 1) % 12 === 0) rows.push(['Year ' + ((m + 1) \/ 12), rs(inv), rs(bal)]);\n        }\n        var plain = sipFV(v.amt, v.rate, v.yrs);\n        return {\n          headLabel: 'Estimated value after ' + v.yrs + ' years', head: bal,\n          split: { a: ['Amount invested', inv], b: ['Estimated returns', bal - inv] },\n          stats: [\n            ['Amount invested', rs(inv)],\n            ['Estimated returns', rs(bal - inv)],\n            ['Total value', rs(bal)],\n            ['Extra vs. a flat SIP', rs(bal - plain)]\n          ],\n          table: { head: ['Year', 'Invested', 'Value'], rows: rows }\n        };\n      }\n    },\n\n    lumpsum: {\n      name: 'Lumpsum',\n      intro: 'Check what a one-time investment may grow into.',\n      fields: [\n        { id: 'amt', label: 'One-time investment', min: 5000, max: 50000000, step: 5000, val: 500000, pre: '\\u20B9' },\n        { id: 'rate', label: 'Expected return (per year)', min: 1, max: 30, step: 0.5, val: 12, suf: '%' },\n        { id: 'yrs', label: 'Time period', min: 1, max: 40, step: 1, val: 10, suf: 'yrs' }\n      ],\n      run: function (v) {\n        var fv = v.amt * Math.pow(1 + v.rate \/ 100, v.yrs), rows = [];\n        for (var y = 1; y <= v.yrs; y++) rows.push(['Year ' + y, rs(v.amt), rs(v.amt * Math.pow(1 + v.rate \/ 100, y))]);\n        return {\n          headLabel: 'Estimated value after ' + v.yrs + ' years', head: fv,\n          split: { a: ['Amount invested', v.amt], b: ['Estimated returns', fv - v.amt] },\n          stats: [['Amount invested', rs(v.amt)], ['Estimated returns', rs(fv - v.amt)], ['Total value', rs(fv)]],\n          table: { head: ['Year', 'Invested', 'Value'], rows: rows }\n        };\n      }\n    },\n\n    compound: {\n      name: 'Compound interest',\n      intro: 'Understand the effect of compounding at different frequencies.',\n      fields: [\n        { id: 'amt', label: 'Principal amount', min: 5000, max: 50000000, step: 5000, val: 100000, pre: '\\u20B9' },\n        { id: 'rate', label: 'Annual interest rate', min: 1, max: 30, step: 0.5, val: 8, suf: '%' },\n        { id: 'yrs', label: 'Time period', min: 1, max: 40, step: 1, val: 10, suf: 'yrs' },\n        { id: 'freq', label: 'Compounding frequency', type: 'select', val: 4,\n          options: [[1, 'Yearly'], [2, 'Half-yearly'], [4, 'Quarterly'], [12, 'Monthly']] }\n      ],\n      run: function (v) {\n        function fvAt(y) { return v.amt * Math.pow(1 + v.rate \/ 100 \/ v.freq, v.freq * y); }\n        var fv = fvAt(v.yrs), rows = [];\n        for (var y = 1; y <= v.yrs; y++) rows.push(['Year ' + y, rs(v.amt), rs(fvAt(y))]);\n        return {\n          headLabel: 'Estimated value after ' + v.yrs + ' years', head: fv,\n          split: { a: ['Amount invested', v.amt], b: ['Interest earned', fv - v.amt] },\n          stats: [['Amount invested', rs(v.amt)], ['Interest earned', rs(fv - v.amt)], ['Total value', rs(fv)]],\n          table: { head: ['Year', 'Invested', 'Value'], rows: rows }\n        };\n      }\n    },\n\n    goal: {\n      name: 'Goal planner',\n      intro: 'Work out the monthly SIP needed for a goal, after allowing for inflation.',\n      fields: [\n        { id: 'goal', label: \"Goal cost in today's money\", min: 100000, max: 100000000, step: 50000, val: 2500000, pre: '\\u20B9' },\n        { id: 'yrs', label: 'Years to reach the goal', min: 1, max: 40, step: 1, val: 15, suf: 'yrs' },\n        { id: 'infl', label: 'Expected inflation (per year)', min: 0, max: 15, step: 0.5, val: 6, suf: '%' },\n        { id: 'rate', label: 'Expected return (per year)', min: 1, max: 30, step: 0.5, val: 12, suf: '%' },\n        { id: 'have', label: 'Already saved for this goal', min: 0, max: 50000000, step: 10000, val: 0, pre: '\\u20B9' }\n      ],\n      run: function (v) {\n        var future = v.goal * Math.pow(1 + v.infl \/ 100, v.yrs);\n        var haveFV = v.have * Math.pow(1 + v.rate \/ 100, v.yrs);\n        var gap = Math.max(0, future - haveFV);\n        var sip = gap \/ sipFV(1, v.rate, v.yrs);\n        var lump = gap \/ Math.pow(1 + v.rate \/ 100, v.yrs);\n        var r = {\n          stats: [\n            ['Goal cost after inflation', rs(future)],\n            ['Your existing savings will grow to', rs(haveFV)],\n            ['Amount still to build', rs(gap)],\n            ['Or invest once, today', rs(lump)]\n          ]\n        };\n        if (gap === 0) { r.headLabel = 'Result'; r.headText = 'Already on track'; r.headFull = 'Your existing savings are enough for this goal.'; }\n        else { r.headLabel = 'Monthly SIP needed'; r.head = sip; }\n        return r;\n      }\n    },\n\n    swp: {\n      name: 'SWP',\n      intro: 'See how long a corpus can fund regular monthly withdrawals.',\n      fields: [\n        { id: 'corpus', label: 'Total investment', min: 100000, max: 100000000, step: 100000, val: 5000000, pre: '\\u20B9' },\n        { id: 'wd', label: 'Monthly withdrawal', min: 1000, max: 1000000, step: 1000, val: 30000, pre: '\\u20B9' },\n        { id: 'rate', label: 'Expected return (per year)', min: 1, max: 20, step: 0.5, val: 8, suf: '%' },\n        { id: 'yrs', label: 'Withdrawal period', min: 1, max: 40, step: 1, val: 20, suf: 'yrs' }\n      ],\n      run: function (v) {\n        var i = v.rate \/ 1200, bal = v.corpus, n = v.yrs * 12, out = 0, rows = [], depleted = 0, yWd = 0;\n        for (var m = 1; m <= n; m++) {\n          var take = Math.min(bal, v.wd);\n          bal = (bal - take) * (1 + i);\n          out += take; yWd += take;\n          if (!depleted) { if (0.5 >= bal) { depleted = m; bal = 0; } }\n          if (m % 12 === 0) { rows.push(['Year ' + (m \/ 12), rs(yWd), rs(bal)]); yWd = 0; }\n          if (depleted) {\n            if (m % 12 !== 0) rows.push(['Year ' + Math.ceil(m \/ 12), rs(yWd), rs(0)]);\n            break;\n          }\n        }\n        var r = {\n          split: { a: ['Total withdrawn', out], b: ['Balance left', bal] },\n          stats: [['Total invested', rs(v.corpus)], ['Total withdrawn', rs(out)], ['Balance left', rs(bal)]],\n          table: { head: ['Year', 'Withdrawn', 'Balance'], rows: rows }\n        };\n        if (depleted) {\n          r.headLabel = 'Your money runs out after'; r.headText = yrsText(depleted);\n          r.headFull = 'Lower the withdrawal or add to the investment to last the full ' + v.yrs + ' years.';\n          r.split = null;\n        } else {\n          r.headLabel = 'Balance after ' + v.yrs + ' years'; r.head = bal;\n        }\n        return r;\n      }\n    },\n\n    retirement: {\n      name: 'Retirement',\n      intro: 'Estimate the corpus you need at retirement and the SIP to build it.',\n      fields: [\n        { id: 'age', label: 'Your current age', min: 18, max: 70, step: 1, val: 30, suf: 'yrs' },\n        { id: 'ret', label: 'Retirement age', min: 35, max: 75, step: 1, val: 60, suf: 'yrs' },\n        { id: 'life', label: 'Plan up to age', min: 60, max: 100, step: 1, val: 85, suf: 'yrs' },\n        { id: 'exp', label: \"Monthly expenses today\", min: 5000, max: 500000, step: 1000, val: 40000, pre: '\\u20B9' },\n        { id: 'infl', label: 'Expected inflation (per year)', min: 0, max: 15, step: 0.5, val: 6, suf: '%' },\n        { id: 'pre', label: 'Return before retirement', min: 1, max: 30, step: 0.5, val: 12, suf: '%' },\n        { id: 'post', label: 'Return after retirement', min: 1, max: 20, step: 0.5, val: 8, suf: '%' },\n        { id: 'have', label: 'Current retirement savings', min: 0, max: 100000000, step: 50000, val: 0, pre: '\\u20B9' }\n      ],\n      run: function (v) {\n        if (v.ret <= v.age) return { error: 'Retirement age must be higher than your current age.' };\n        if (v.life <= v.ret) return { error: 'The age you plan up to must be higher than your retirement age.' };\n        var yrsToRet = v.ret - v.age, N = (v.life - v.ret) * 12;\n        var w0 = v.exp * Math.pow(1 + v.infl \/ 100, yrsToRet), ip = v.post \/ 1200, corpus = 0;\n        for (var m = 0; m < N; m++) {\n          corpus += w0 * Math.pow(1 + v.infl \/ 100, Math.floor(m \/ 12)) \/ Math.pow(1 + ip, m);\n        }\n        var haveFV = v.have * Math.pow(1 + v.pre \/ 100, yrsToRet);\n        var gap = Math.max(0, corpus - haveFV);\n        var sip = gap \/ sipFV(1, v.pre, yrsToRet);\n        var r = {\n          stats: [\n            ['Years to retirement', yrsToRet + ' years'],\n            ['Monthly expense at retirement', rs(w0)],\n            ['Corpus needed at retirement', rs(corpus)],\n            ['Your savings will grow to', rs(haveFV)]\n          ]\n        };\n        if (gap === 0) { r.headLabel = 'Result'; r.headText = 'Already on track'; r.headFull = 'Your current savings can cover the estimated corpus.'; }\n        else { r.headLabel = 'Monthly SIP needed'; r.head = sip; }\n        return r;\n      }\n    }\n  };\n\n  var DEFAULT_ORDER = ['sip', 'stepup', 'lumpsum', 'compound', 'goal', 'swp', 'retirement'];\n  var counter = 0;\n\n  function init(root) {\n    var uid = 'nsc' + (++counter) + '-';\n    var keys = (root.getAttribute('data-calcs') || DEFAULT_ORDER.join(',')).split(',')\n      .map(function (s) { return s.trim(); }).filter(function (k) { return CALCS[k]; });\n    if (!keys.length) keys = DEFAULT_ORDER;\n    var active = keys.indexOf(root.getAttribute('data-default')) > -1 ? root.getAttribute('data-default') : keys[0];\n    var hash = (location.hash || '').replace('#', '');\n    if (keys.indexOf(hash) > -1) active = hash;\n    var ctaUrl = root.getAttribute('data-cta-url'), ctaText = root.getAttribute('data-cta-text') || 'Talk to me';\n\n    root.innerHTML =\n      (keys.length > 1 ? '<div class=\"nsc-tabs\" role=\"tablist\" aria-label=\"Calculators\"><\/div>' : '') +\n      '<p class=\"nsc-intro\"><\/p>' +\n      '<div class=\"nsc-grid\"><div class=\"nsc-inputs\"><\/div><div class=\"nsc-result\" aria-live=\"polite\"><\/div><\/div>' +\n      '<details class=\"nsc-tablewrap\"><summary>Year-by-year breakdown<\/summary><div class=\"nsc-scroll\"><table><\/table><\/div><\/details>' +\n      '<p class=\"nsc-disc\"><\/p>';\n\n    var tabs = root.querySelector('.nsc-tabs'), intro = root.querySelector('.nsc-intro'),\n        inputs = root.querySelector('.nsc-inputs'), result = root.querySelector('.nsc-result'),\n        wrap = root.querySelector('.nsc-tablewrap'), table = root.querySelector('table');\n    root.querySelector('.nsc-disc').textContent = DISCLAIMER;\n\n    if (tabs) {\n      keys.forEach(function (k) {\n        var b = document.createElement('button');\n        b.type = 'button'; b.className = 'nsc-tab'; b.setAttribute('role', 'tab');\n        b.setAttribute('data-k', k); b.textContent = CALCS[k].name;\n        b.addEventListener('click', function () { active = k; build(); });\n        tabs.appendChild(b);\n      });\n    }\n\n    function build() {\n      var c = CALCS[active];\n      if (tabs) [].forEach.call(tabs.children, function (b) {\n        b.setAttribute('aria-selected', b.getAttribute('data-k') === active ? 'true' : 'false');\n      });\n      intro.textContent = c.intro;\n      inputs.innerHTML = '';\n      c.fields.forEach(function (f) {\n        var d = document.createElement('div'); d.className = 'nsc-field';\n        if (f.type === 'select') {\n          d.innerHTML =\n            '<div class=\"nsc-fieldtop\"><label for=\"' + uid + f.id + '\">' + f.label + '<\/label>' +\n            '<select class=\"nsc-select\" id=\"' + uid + f.id + '\">' +\n            f.options.map(function (o) { return '<option value=\"' + o[0] + '\"' + (o[0] === f.val ? ' selected' : '') + '>' + o[1] + '<\/option>'; }).join('') +\n            '<\/select><\/div>';\n          d.querySelector('select').addEventListener('change', update);\n          inputs.appendChild(d);\n          return;\n        }\n        d.innerHTML =\n          '<div class=\"nsc-fieldtop\"><label for=\"' + uid + f.id + '\">' + f.label + '<\/label>' +\n          '<div class=\"nsc-inrow\">' + (f.pre ? '<span>' + f.pre + '<\/span>' : '') +\n          '<input type=\"number\" inputmode=\"decimal\" id=\"' + uid + f.id + '\" min=\"' + f.min + '\" max=\"' + f.max + '\" step=\"any\" value=\"' + f.val + '\">' +\n          (f.suf ? '<span>' + f.suf + '<\/span>' : '') + '<\/div><\/div>' +\n          '<input type=\"range\" id=\"' + uid + f.id + '-r\" min=\"' + f.min + '\" max=\"' + f.max + '\" step=\"' + f.step + '\" value=\"' + f.val + '\" aria-label=\"' + f.label + ' slider\">' +\n          '<div class=\"nsc-scale\"><span>' + (f.pre || '') + INR.format(f.min) + (f.suf || '') + '<\/span><span>' + (f.pre || '') + INR.format(f.max) + (f.suf || '') + '<\/span><\/div>';\n        var num = d.querySelector('#' + uid + f.id), rng = d.querySelector('#' + uid + f.id + '-r');\n        rng.addEventListener('input', function () { num.value = rng.value; update(); });\n        num.addEventListener('input', function () { var x = parseFloat(num.value); if (!isNaN(x)) rng.value = x; update(); });\n        num.addEventListener('change', function () {\n          var x = parseFloat(num.value); if (isNaN(x)) x = f.val;\n          x = Math.min(f.max, Math.max(f.min, x)); num.value = x; rng.value = x; update();\n        });\n        inputs.appendChild(d);\n      });\n      update();\n    }\n\n    function update() {\n      var c = CALCS[active], v = {};\n      c.fields.forEach(function (f) {\n        var x = parseFloat(document.getElementById(uid + f.id).value);\n        if (isNaN(x)) x = f.val;\n        v[f.id] = f.type === 'select' ? x : Math.min(f.max, Math.max(f.min, x));\n      });\n      var r = c.run(v), h = '';\n      if (r.error) {\n        result.innerHTML = '<p class=\"nsc-msg\" role=\"alert\"><\/p>';\n        result.firstChild.textContent = r.error;\n        wrap.style.display = 'none';\n        return;\n      }\n      h += '<p class=\"nsc-headlabel\">' + r.headLabel + '<\/p>';\n      if (r.headText) {\n        h += '<p class=\"nsc-head\">' + r.headText + '<\/p><p class=\"nsc-headfull\">' + (r.headFull || '') + '<\/p>';\n      } else {\n        h += '<p class=\"nsc-head\">' + short(r.head) + '<\/p><p class=\"nsc-headfull\">' + rs(r.head) + '<\/p>';\n      }\n      if (r.split) {\n        var t = r.split.a[1] + r.split.b[1], pa = t > 0 ? (r.split.a[1] \/ t * 100) : 0;\n        h += '<div class=\"nsc-bar\" role=\"img\" aria-label=\"' + r.split.a[0] + ' ' + Math.round(pa) + ' percent, ' + r.split.b[0] + ' ' + Math.round(100 - pa) + ' percent\">' +\n             '<i style=\"width:' + pa + '%;background:var(--teal)\"><\/i><i style=\"width:' + (100 - pa) + '%;background:var(--saffron)\"><\/i><\/div>' +\n             '<div class=\"nsc-legend\"><span><b style=\"background:var(--teal)\"><\/b>' + r.split.a[0] + '<\/span><span><b style=\"background:var(--saffron)\"><\/b>' + r.split.b[0] + '<\/span><\/div>';\n      }\n      h += '<ul class=\"nsc-stats\">' + r.stats.map(function (s) { return '<li><span>' + s[0] + '<\/span><span>' + s[1] + '<\/span><\/li>'; }).join('') + '<\/ul>';\n      if (ctaUrl) h += '<a class=\"nsc-cta\" href=\"' + ctaUrl + '\" target=\"_blank\" rel=\"noopener\">' + ctaText + '<\/a>';\n      result.innerHTML = h;\n\n      if (r.table ? r.table.rows.length : 0) {\n        wrap.style.display = '';\n        table.innerHTML = '<thead><tr>' + r.table.head.map(function (x) { return '<th>' + x + '<\/th>'; }).join('') + '<\/tr><\/thead><tbody>' +\n          r.table.rows.map(function (row) { return '<tr>' + row.map(function (x) { return '<td>' + x + '<\/td>'; }).join('') + '<\/tr>'; }).join('') + '<\/tbody>';\n      } else {\n        wrap.style.display = 'none';\n      }\n    }\n\n    build();\n  }\n\n  function start() { [].forEach.call(document.querySelectorAll('.nsc'), init); }\n  if (document.readyState === 'loading') document.addEventListener('DOMContentLoaded', start); else start();\n})();\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to put your plan into action? <em>Explore our<\/em> <strong><a href=\"https:\/\/niveshsankalp.com\/solutions\/\" target=\"_blank\" data-type=\"page\" data-id=\"9003\" rel=\"noreferrer noopener\">Mutual Fund Solutions<\/a><\/strong> <em>or<\/em> <strong><a href=\"https:\/\/niveshsankalp.com\/contact\/\" target=\"_blank\" data-type=\"page\" data-id=\"9006\" rel=\"noreferrer noopener\">Contact Us<\/a><\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How does an SIP Calculator Work?<\/strong> <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>SIP calculator<\/strong> helps you project the future maturity value of your regular monthly investments. Instead of making manual calculations, the calculator uses compound interest projections based on three simple inputs:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Monthly Investment Amount:<\/strong> The money you plan to invest every month via SIP.<\/li>\n\n\n\n<li><strong>Expected Rate of Return:<\/strong> An estimated annual growth rate based on fund category history.<\/li>\n\n\n\n<li><strong>Time Horizon:<\/strong> The number of years or months you plan to stay invested.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Benefits of using an SIP calculator before investing<\/strong><\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Clarity on Financial Goals:<\/strong> Know exactly how much SIP is required to reach \u20b950 Lakhs or \u20b91 Crore for retirement or your child&#8217;s education.<\/li>\n\n\n\n<li><strong>Power of Compounding:<\/strong> See how starting even 3 to 5 years earlier exponentially increases your total returns.<\/li>\n\n\n\n<li><strong>Disciplined Investing:<\/strong> Helps you stick to your investment horizon without worrying about short-term market ups and downs.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>SIP &amp; Mutual Fund calculators Explore possible outcomes, compare scenarios, and make more informed investment conversations. Plan your financial goals with our free SIP calculator and mutual fund investment tools. Whether you are investing for retirement, your children&#8217;s higher education, or building long-term wealth in Bhagalpur, use these calculators to estimate your potential returns through [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-9004","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages\/9004","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/comments?post=9004"}],"version-history":[{"count":15,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages\/9004\/revisions"}],"predecessor-version":[{"id":9493,"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/pages\/9004\/revisions\/9493"}],"wp:attachment":[{"href":"https:\/\/niveshsankalp.com\/hi\/wp-json\/wp\/v2\/media?parent=9004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}