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added step up in sip calculator #122

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Merged
Amark19 merged 1 commit into from
Nov 9, 2025
Merged

added step up in sip calculator #122

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12 changes: 11 additions & 1 deletion mysite/templates/calculator/SIP_calculator.html
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Original file line number Diff line number Diff line change
Expand Up @@ -2,7 +2,7 @@
{% block MDesc %}
Calculate SIP and Lumpsum returns with interactive sliders. Estimate your wealth creation through systematic investment plans in mutual funds.
{% endblock %}
{% block MKW %}SIP calculator,calculator of sip,sip calculator india,systematic investment plan calculator,lumpsum calculator,mutual fund calculator,sip returns calculator{% endblock %}
{% block MKW %}SIP calculator,Step Up SIP Calculator,sip calculator india,systematic investment plan calculator,lumpsum calculator,mutual fund calculator,sip returns calculator{% endblock %}
{% block Mr %}
{% now "d/m/Y" %}
{% endblock %}
Expand Down Expand Up @@ -204,6 +204,16 @@ <h1 class="my-2 text-center text-light">SIP Calculator</h1>
<input type="range" class="slider-input" id="timePeriod" min="1" max="50" step="1" value="10">
</div>
</div>

<div class="slider-container">
<label class="slider-label">Annual Step-up (%)</label>
<input type="text" class="value-display" id="sipStepupDisplay" value="0%">
<div class="slider-wrapper">
<div class="slider-track"></div>
<div class="slider-fill" id="sipStepupFill"></div>
<input type="range" class="slider-input" id="sipStepup" min="0" max="50" step="0.5" value="0">
</div>
</div>
</div>

<!-- Lumpsum Inputs -->
Expand Down
45 changes: 27 additions & 18 deletions staticfiles/js/calculator/SIP_calculator.js
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Original file line number Diff line number Diff line change
Expand Up @@ -35,26 +35,30 @@ function getMonthlyRate(annualReturn) {
}

// Calculate SIP
function calculateSIP(monthlyInvestment, annualReturn, years) {
function calculateSIP(monthlyInvestment, annualReturn, years, stepUpPercent = 0) {
const monthlyRate = getMonthlyRate(annualReturn);
const totalMonths = years * 12;

const totalInvested = monthlyInvestment * totalMonths;
let totalInvested = 0;
let totalValue = 0;

if (monthlyRate > 0) {
const factor = (Math.pow(1 + monthlyRate, totalMonths) - 1) / monthlyRate;
totalValue = monthlyInvestment * factor * (1 + monthlyRate);
} else {
totalValue = totalInvested;

let currentInvestment = monthlyInvestment;
const stepUpMultiplier = 1 + (stepUpPercent / 100);

for (let year = 1; year <= years; year++) {
// For each year, do 12 months of SIP
for (let month = 1; month <= 12; month++) {
totalInvested += currentInvestment;
const monthsRemaining = (years - year) * 12 + (12 - month + 1);
totalValue += currentInvestment * Math.pow(1 + monthlyRate, monthsRemaining);
}
currentInvestment *= stepUpMultiplier; // Increase SIP for next year
}

const estimatedReturns = totalValue - totalInvested;

return {
totalInvested: totalInvested,
estimatedReturns: estimatedReturns,
totalValue: totalValue
totalInvested,
estimatedReturns,
totalValue
};
}

Expand All @@ -80,8 +84,9 @@ function updateResults() {
const monthlyInvestment = parseFloat(document.getElementById('monthlyInvestment').value);
const annualReturn = parseFloat(document.getElementById('expectedReturn').value);
const years = parseInt(document.getElementById('timePeriod').value);

result = calculateSIP(monthlyInvestment, annualReturn, years);
const stepUpPercent = parseFloat(document.getElementById('sipStepup').value);

result = calculateSIP(monthlyInvestment, annualReturn, years, stepUpPercent);
} else {
const lumpsumAmount = parseFloat(document.getElementById('lumpsumAmount').value);
const annualReturn = parseFloat(document.getElementById('lumpsumReturn').value);
Expand Down Expand Up @@ -111,14 +116,17 @@ function updateDisplays() {
const monthlyInvestment = parseFloat(document.getElementById('monthlyInvestment').value);
const annualReturn = parseFloat(document.getElementById('expectedReturn').value);
const years = parseInt(document.getElementById('timePeriod').value);

const stepUpPercent = parseFloat(document.getElementById('sipStepup').value);

document.getElementById('sipStepupDisplay').value = formatPercentage(stepUpPercent);
document.getElementById('monthlyInvestmentDisplay').value = formatCurrency(monthlyInvestment);
document.getElementById('expectedReturnDisplay').value = formatPercentage(annualReturn);
document.getElementById('timePeriodDisplay').value = formatYears(years);

updateSliderFill('monthlyInvestment', 'monthlyInvestmentFill');
updateSliderFill('expectedReturn', 'expectedReturnFill');
updateSliderFill('timePeriod', 'timePeriodFill');
updateSliderFill('sipStepup', 'sipStepupFill');
} else {
const lumpsumAmount = parseFloat(document.getElementById('lumpsumAmount').value);
const annualReturn = parseFloat(document.getElementById('lumpsumReturn').value);
Expand Down Expand Up @@ -178,6 +186,7 @@ document.getElementById('lumpsumToggle').addEventListener('click', function() {
document.getElementById('monthlyInvestment').addEventListener('input', updateDisplays);
document.getElementById('expectedReturn').addEventListener('input', updateDisplays);
document.getElementById('timePeriod').addEventListener('input', updateDisplays);
document.getElementById('sipStepup').addEventListener('input', updateDisplays);

// Lumpsum sliders event listeners
document.getElementById('lumpsumAmount').addEventListener('input', updateDisplays);
Expand Down
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