A SIP calculator can project mutual fund growth, aiding investors in understanding long-term wealth creation. The Indian stock market in 2025 presented challenges including high valuations, foreign investor selling, and a depreciating rupee, leading to significant stock declines. Despite an increase in listed companies, the overall market capitalization remained stagnant. Mutual funds, particularly through Systematic Investment Plans (SIPs), are recommended to navigate market uncertainty by spreading investments and accumulating units across market cycles, reducing the need for market timing.