The Systematic Investment Plan (SIP) Calculator models compound wealth accumulation, cumulative deposits, and capital gains from recurring monthly investments in mutual funds and index portfolios.

### Compounding Annuity Due Mathematical Model Because monthly installments deposit at the beginning of each payment cycle, wealth accumulates according to the future value of an ordinary annuity due: $$M = P \times \left[ \frac{(1 + i)^n - 1}{i} \right] \times (1 + i)$$ Where: - $M$: Final accumulated maturity corpus. - $P$: Fixed monthly installment amount. - $i$: Monthly periodic interest rate, calculated as $i = \frac{r}{100 \times 12}$ from annual percentage return $r$. - $n$: Total monthly installment count, calculated as $n = \text{Years} \times 12$. - Total Capital Invested: $P \times n$. - Cumulative Compound Returns: $M - (P \times n)$.

### Worked Numeric Example Consider a disciplined monthly contribution into an equity index fund: - Monthly Investment ($P$): $500 per month (or ₹10,000) - Expected Annualized Return ($r$): 12.0% ($i = 0.12 / 12 = 0.01$) - Investment Horizon: 10 years ($n = 120\text{ months}$) - Performance Calculations: - Total Capital Invested: $500 \times 120 = \$60{,}000$ - Maturity Value ($M$): $$M = 500 \times \left[ \frac{(1 + 0.01)^{120} - 1}{0.01} \right] \times 1.01 = 500 \times 230.0387 \times 1.01 \approx \$116{,}170$$ - Compound Capital Gains: $\$116{,}170 - \$60{,}000 = \$56{,}170$ (Nearly doubles initial invested capital)

### In-Browser Financial Modeling All annuity calculations, monthly schedules, and compounding tables run locally in client-side React state. Your financial contributions and net worth targets remain private on your device.