🇮🇳✨ Our Republic Day Gift to Your Financial Freedom: The Ultimate SIP Calculator!

Find out How a 10,000 rupees spend per month could change into 17.89 Lakh rupees in 10 years (And why most calculators get it wrong)

Imagine that two friends begin to invest 10,000 every month the same day.

Ten years later, one has ₹15 lakhs.

The other feasts on 17.89 lakhs.

What made the difference?

The second investor took into consideration the concealed factors that most calculators do not consider.

Today, we have the pleasure of unveiling the instrument that unlocks these secrets — the so-called freedom-tool, as we have named it on Republic Day in India, because financial freedom is indeed the best kind of independence of all.

THE RIDER: Why We Picked the Republic Day to Release Your Financially Freedom Gauge

India adopted its own Constitution and principles of justice, equality, and liberty on the 26th of January, 1950.

What could be more appropriate to roll out a tool that makes one financially independent — the cornerstone over which all other liberties rest?

Our new SIP Calculator is not a number-cruncher.

It's a full-bodied financial planning friend that recognizes what most tools fail to appreciate:

• Fees count
• Inflation undermines
• Intelligent investors up step their game

Computer-based Simulations: The Reality Check Most SIP Calculators Avoid

Conventional SIP calculators present you with optimistic figures, assuming everything will work out to your benefit:

Invest 10,000 monthly at 12 per cent over 10 years = 23 lakhs!

What they fail to inform you:

• With 1% annual charges and 6% inflation, you only have 17.89 lakhs of real wealth.

What they actually fail to inform you:

• You might hit completely new heights with a 10% step-up per year.

And the picture presented to you by our calculator is the whole one — the beautiful, the difficult, the possible truth.

0 Think 0: Our SIP Calculator vs. Basic Math

1. The Step-Up Superpower That the Majority of Investors Overlook

The least used Indian investing strategy: Systematic increment in the SIP amount.

Our calculator will allow you to model this brilliant move:

• Start with ₹10,000 monthly
• Raise by 10 percent a year (as your salary increases)

Output:

You are not only saving more, you are using your growing earning power.

Actual one of our calculator:

• No step-up: 17.89 lakhs in 10 years
• After 10 years with 10% step-up: 24.67 lakhs

Variation: 6.78 lakhs more — all one needs is to match investments with career development!

2. Fee-Aware Computerizations: The Silent Slayer of Wealth

Ever asked yourself why you are not making the same returns on the mutual fund as the scheme performance claimed in the advertisement?

Expense ratios.

This fact is taken into account in our calculator:

• 1% fee might seem small
• More than 10 years on an expanding corpus: 1.69 lakhs in fees

It is worth losing a Maruti Alto out of your portfolio!

3. Reality Checks Adjusted to Inflation

₹20 lakhs today ≠ ₹20 lakhs in 2034.

Our calculator shows you:

• Nominal value: What your statement will demonstrate (33.74 lakhs)
• Real value: What you can actually purchase with that money (17.89 lakhs)

The difference:

An outrageous loss of 14.15 lakhs to the silent theft by inflation.

Deep Dive: Learn Your Projection Graph

What you are really looking at when you use our calculator:

The Three Colored System of Pathways

Green (Upper Green Line) – Best Case Scenario

• Market is doing exceedingly well
• Your 10,000/month is likely to be 20.04 lakhs
• Gives positive yet realistic results

Yellow Line (Middle Expectation)

• Market is at historical averages (in our case 12%)
• Your likely outcome: ₹17.89 lakhs
• This is the most likely direction according to the data

Red Line (Lower Red Line) – Worst Reasonable Scenario

• Market not performing disastrously well
• Your floor: ₹15.74 lakhs
• Not panic-selling region, but worse than expected

The reason why this range view is important is that it psychologically and economically prepares you to face market volatility.

Milestones of Wealth Year by Year

• Year 1: 1.28 lakhs (you have already got into it)
• Year 3: 4.32 lakhs (now it is really serious)
• Year 5: 8.23 lakhs (halfway to high wealth)
• Year 7: 13.23 lakhs (accelerating growth period)
• Year 10: 17.89 lakhs (real, inflation adjusted wealth)

🔧 Advanced Features: How to Master the Advanced Features

Installing Your First Accurate Projection

• Monthly Investment: Begin with a comfortable amount (5000? 25000?)
• Time Period: In line with goals (Home down payment: 5 years, Retirement: 20+ years)
• Projected Payback: Be realistic (Equity: 10-12, Hybrid: 8-10, Debt: 6-7)
• Annual Step-Up: Compare to annual anticipated salary growth (5-15% average)
• Annual Fund Fee: See the fact sheet of your fund (0.5-2.5% in India)
• Inflation: The average is 5-6 percent in India
• Volatility Setting: Select depending on asset class (Equity: Medium/High)

💡 Psychology of Successful SIP Investing

The volatility of the market is not a bug but a characteristic of equity investment.

By illustrating the best, the expected, and the worst, we are:

• Calming down panics in a recession
• Avoiding overconfidence at rallies
• Making achievable expectations
• Promoting investment across the cycles

📱 How to Build this Calculator into Your Financial Planning

Financial Review Ritual – Monthly

• First Sunday of every month
• Visit https://gearskit.com/sip-calculator
• Revise your real investment amount
• Reconcile actual check against projected checks
• Alter (increase SIP, rebalance, etc.)

Why I Care, But You Should Care More

During this Republic Day, when we are commemorating the constitutional values of India, keep in mind:

Financial freedom is where all the other freedoms have their basis.

The ability to make a choice, to live a happy life, to provide a future to your family — everything starts with intelligent financial choices.

Our SIP Calculator is not a tool. It's:

• 🔍 A reality test to idealistic expectations
• 🗺️ Guide on a path through market uncertainty
• 💡 A course in the real economy of wealth
• 🎁 Our Republic Day promise to your prosperity

The figures are not deceptive, yet the majority of calculators are not telling everything.

Ours does.

👉 Calculate Gearskit SIP Now

🔗 https://gearskit.com/sip-calculator