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    <description>An SIP calculator projects the potential future value of recurring investments by compounding monthly contributions using an assumed annualised return (converted to a monthly rate) and an investment horizon; it serves as an illustrative planning tool to compare contribution levels, test targets, and inform decisions on contribution adjustments, horizon changes, asset allocation, liquidity and tax implications, while emphasising that projections depend on assumptions, are not predictive, and require periodic review given market risks.</description>
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