(सरल भाषा में, यह पोस्ट आपको दिखाएगी कि कैसे छोटा निवेश भी समय के साथ बहुत बड़ा बन सकता है।)
1. What is the SIP Calculator? (यह कैलकुलेटर क्या है?) or 7-3-2 rule of compounding?
StockKiCharcha SIP Calculator
Imagine you have a magic machine that can show you the future of your money. That is what a SIP Calculator does!
SIP stands for Systematic Investment Plan. It means you put a small, fixed amount of money (like ₹1,000 or ₹5,000) into a fund every single month.
Our calculator helps you answer this simple question:
"If I invest X amount every month for Y years, how much money will I have at the end?"
It helps you plan your financial goals, like buying a car, paying for college, or reaching your ₹1 Crore Project goal!
watch video for better understanding:
2. The Secret Power: Compounding (पैसा कमाता है पैसा!)
The real power behind the SIP Calculator is Compounding. This is a very simple idea:
A SIP (Systematic Investment Plan) calculator is a simple tool that estimates the future value of your regular investments.
It takes three main inputs from you:
- In the first year, your money makes a little bit of profit (we call this Return).
- In the second year, your profit also starts earning profit!
- Your money is earning money, and that "money-earned" is also earning more money!
It's like a snowball. When it starts rolling, it is small, but the longer it rolls, the faster and bigger it grows.
3. The Big Lesson: Patience is Key (तीन दोस्तों की कहानी से सीख)-
The journey to big wealth is not a race; it is a waiting game. Let me tell you the main lesson from a story that shows this:(7-3-2 rule of compounding ).
Imagine three friends (A, B, and C) who all started investing ₹5,000 every month.
| The Friend | What He Did | What Happened |
| Friend A (The Disciplined Investor) | He never stopped his monthly ₹5,000 SIP, even when the market went down. | Result: His money grew slowly at first, but after many years, the growth became very fast! He created big wealth. |
| Friend B (The Panic Investor) | When the market went down, he got scared, stopped his SIP, and took all his money out. | Result: He booked a loss and completely missed out on the huge market growth that came later. |
| Friend C (The Late Investor) | He stopped his SIP when the market fell but started again when the market started rising. | Result: By restarting late, he missed the cheapest time to invest and lost out on the biggest profits. |
The Simple Rule: The moment you stop your SIP during a market fall, you stop the magic of compounding. You must keep investing regularly (like Friend A) to win the game.
4. The 7-3-2-1 Rule for Beginners
The video showed a very important secret of compounding. For every investment you make, the growth is not equal every year:
- The First 7 Years: This is the Hard Work phase. Your own money (Investment) is more than the profit you earn (Return). You are building the base.
- The Next 3 Years: The profit starts to catch up! The growth speeds up a lot.
- The Next 2 Years: The profit takes over! Now, the money earned from your profits (Returns) is much more than the new money you put in (Investment).
- After that: The money grows super fast!
This shows that time is your best friend. Wait for at least 7 to 10 years to see the real magic of SIPs.
5. Start Your Own Project with Our Calculator
Ready to see your financial future?
- Enter Monthly Amount: How much can you easily save and invest every month (e.g., ₹5,000)?
- Enter Time Period: How many years are you planning to invest (e.g., 10, 15, 20 years)?
- Enter Expected Return: Use a reasonable average return (e.g., 12% to 15% is common for long-term equity SIPs in India).
FAQS
1.How does a SIP calculator work?
- Monthly Investment Amount (The amount you plan to invest regularly).
- Expected Rate of Return (The yearly growth rate you expect).
- Time Period (How many years you will invest).
It uses a mathematical formula (based on the power of compounding) to quickly show you how much your total investment might grow to.
2.How accurate is a SIP calculator?
A SIP calculator is mathematically accurate based on the expected rate of return you enter, but the final, actual return can be different because of market changes.
3.what is sip in stock market?
SIP stands for Systematic Investment Plan. It is a way to regularly invest a fixed, small amount of money in mutual funds or stocks, like a monthly savings plan.
The ₹1 Crore Project: Why I Started StockKiCharcha with 2 Years of Proven Market Experience (And How You Can Join)
This article is for educational and informational purposes only. It is not any investment advice. Before making any investment-related decision, make sure to consult your financial advisor.