=== Divine SIP Calculator ===
Contributors: sigasystems
Tags: sip calculator, lumpsum calculator, mutual fund calculator, investment calculator, finance
Requires at least: 6.0
Tested up to: 6.9
Requires PHP: 7.4
Stable tag: 1.0.4
License: GPLv2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html

A simple and accurate SIP and Lumpsum investment calculator with real-time results and a clean doughnut chart.

== Description ==

**Divine SIP Calculator** helps users calculate SIP and Lumpsum investment returns instantly.  
It provides a clean UI, dynamic charts, and highly accurate projections, making it ideal for finance blogs, advisors, and investment websites.

### Features

✔ SIP & Lumpsum calculator  
✔ Chart.js-powered doughnut chart  
✔ Annual step-up calculation  
✔ Adjustable return rate  
✔ Adjustable time period (1–50 years)  
✔ Investment slider + predefined amount dropdown  
✔ Tooltip-enabled interactive chart  
✔ Projection table for 10–45 years  
✔ 100% shortcode-based  
✔ Fully responsive  
✔ No jQuery dependency  
✔ Unique prefixes to prevent conflicts  

### Shortcode

Use this shortcode anywhere in your posts or pages:

`[dpsip_calculator]`

### Use Cases

- Financial bloggers  
- Mutual fund advisors  
- Fintech websites  
- Personal portfolio blogs  
- Educational platforms  

== Installation ==

1. Upload the plugin folder `divine-sip-calculator` to the `/wp-content/plugins/` directory.
2. Activate the plugin from the **Plugins** menu in WordPress.
3. Use the shortcode `[dpsip_calculator]` anywhere (posts, pages, or page builders).
4. Done!

== Frequently Asked Questions ==

= Does this plugin use Chart.js? =
Yes, the plugin loads Chart.js to render the visual data.

= Will it conflict with other plugins or themes? =
No. All classes, IDs, functions, and variables are prefixed with `dpsip_` to ensure they do not conflict with other plugins.

= Can I customize the colors? =
Yes. You can override the CSS classes (starting with `.dp-sip-`) in your theme's custom CSS area.

= Does it work with page builders? =
Yes. It works with Gutenberg, Elementor, Divi, Beaver Builder, Bricks, and all major builders using the shortcode widget.

= Is it mobile-friendly? =
Yes. The calculator is fully responsive and adapts to mobile screens.

= Can I add multiple calculators on the same page? =
Currently, one instance per page is recommended.

== Screenshots ==

1. SIP Calculator Input Panel  
2. Doughnut Chart with Investment Split  
3. Summary of Investment & Returns  
4. Projection Table Output  

== Changelog ==

= 1.0.4 =
* Improved calculation accuracy for SIP and Lumpsum returns.
* Optimized Chart.js rendering for better performance.
* Enhanced responsiveness on smaller screens.
* Minor UI refinements for better user experience.

= 1.0.3 =
* Updated readme formatting to meet WordPress.org standards.
* Added organization credits (Siga Systems).
* Improved documentation clarity.

= 1.0.2 =
* UI improvements
* New banner & icon
* Minor performance enhancements

= 1.0.1 =
* Updated shortcode to `[dpsip_calculator]` to comply with WordPress guidelines.
* Updated code prefixes to `dpsip_` to prevent conflicts.
* Included un-minified source code for transparency.

= 1.0.0 =
* Initial release  
* SIP & Lumpsum calculator  
* Step-up SIP support  
* Chart.js doughnut chart
* Projection table  
* Fully responsive UI  

== Upgrade Notice ==

= 1.0.4 =
Improved calculation accuracy, performance optimizations, and UI refinements. Recommended update.

= 1.0.3 =
Documentation updates, added organization credits, and readme formatting improvements.

= 1.0.2 =
UI improvements, new banner & icon, and minor performance enhancements.

= 1.0.1 =
Renamed shortcode to `[dpsip_calculator]` and updated codebase for better compatibility. Please update your pages to use the new shortcode.