import React, { useState, useMemo } from "react"; import { PieChart, Pie, Cell, Tooltip, Legend, ResponsiveContainer } from "recharts"; // SIP Calculator - Single-file React component // Uses Tailwind CSS for styling. Default export is the component. export default function SIPCalculator() { const [monthly, setMonthly] = useState(10000); const [annualReturn, setAnnualReturn] = useState(12); const [years, setYears] = useState(10); const [logo, setLogo] = useState(null); const [investedColor, setInvestedColor] = useState("#2563EB"); // blue const [returnsColor, setReturnsColor] = useState("#10B981"); // green const [thirdColor, setThirdColor] = useState(""); // optional third color (not used in pie by default) const [useAnnuityDue, setUseAnnuityDue] = useState(false); // Format number in INR const fmtINR = (value) => { try { return new Intl.NumberFormat("en-IN", { style: "currency", currency: "INR", maximumFractionDigits: 0 }).format(value); } catch (e) { return `₹${Math.round(value).toLocaleString()}`; } }; // SIP future value calculation (end-of-period by default) // FV = P * [ ((1+r)^n - 1) / r ] * (1 + r)^0 for end-of-period // If annuity-due (contribution at beginning), multiply by (1 + r) const results = useMemo(() => { const P = Number(monthly) || 0; const annual = Number(annualReturn) || 0; const yrs = Number(years) || 0; const n = yrs * 12; const r = annual / 100 / 12; let fv = 0; if (r === 0) { fv = P * n; } else { fv = P * ((Math.pow(1 + r, n) - 1) / r); if (useAnnuityDue) fv *= (1 + r); } const invested = P * n; const totalReturns = Math.max(0, fv - invested); return { futureValue: fv, invested, totalReturns, months: n, }; }, [monthly, annualReturn, years, useAnnuityDue]); const pieData = [ { name: "Invested", value: Math.round(results.invested) }, { name: "Returns", value: Math.round(results.totalReturns) }, ]; // handle logo upload const onLogoChange = (e) => { const file = e.target.files?.[0]; if (!file) return; const url = URL.createObjectURL(file); setLogo({ file, url }); }; return (
{logo ? ( logo ) : (
Logo
)}

SIP Calculator (Monthly)

Enter monthly SIP (₹), expected annual return (%) and tenure (years).

setMonthly(e.target.value)} className="mt-1 block w-full rounded-lg border p-3" />
}
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Common Questions from Our Clients

What are Mutual Funds?

Mutual Funds are investment schemes professionally managed by financial experts. Many investors, individuals and entities, invest money in these schemes or funds to generate better returns. These investment schemes could invest in Shares / Stocks (Equity), Government and Corporate Bonds / Securities / Debentures (Fixed Income) or a mixture of the Equity and Fixed Income Securities. Mutual Funds are bought and sold in Units. Mutual Fund units are allocated to investors basis the proportion of their investments and value of these units is tracked as Net Asset Value (NAV) which is daily released by the Fund houses. The Securities and Exchange Board Of India (SEBI) regulates the Mutual Funds industry, and there are around 45 different Mutual Fund houses and more than 12000+ Mutual Fund Schemes.

Who should invest in Mutual Funds?

Mutual Funds can meet the investment objectives of almost all types of investors. Younger investors who are willing to take some risk while aiming for substantial growth of capital in the long-term will find equity schemes (i.e. funds which invest in stocks) .

Older investors who are risk-averse and prefer a steady income in the medium-term can invest in debt income schemes (i.e. funds which invest in debt instruments). Middle-age investors can allocate their savings between income funds and equity funds and achieve both income and capital growth. Investors who want to benefit from regular savings can put aside a small sum every month in a Systematic Investment Plan(SIP).

Income tax Structure on Investments/Mutual Funds?

Long term Capital gains tax (if held for more than a year) for equity mutual funds are taxed at 10% for gains withdrawn exceeding ₹1 lakh in a financial year. Gains withdrawn up to ₹1 lakh in a financial year are exempt from Tax.Short Term Capital gains tax (if held for less than a year) on equity mutual funds’ investments is 15%

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