SIP & step-up projection
SIP calculator with post-tax & real value
Project your SIP three honest ways — the headline figure, what survives LTCG, and what it's worth in today's rupees — with a full year-by-year breakdown.
Educational tool — not investment advice. Figures are estimates based on your inputs, not predictions. Read the full disclaimer
On a total invested of ₹—:
LTCG tax deducted: ₹— · Inflation erodes — of the headline.
| Year | Invested | Gains | Value |
|---|
In shortA SIP calculator projects what a fixed monthly investment grows to at an assumed annual return. For example, ₹10,000 a month for 15 years at 12% grows to about ₹47.1 lakh on ₹18 lakh invested. After 12.5% LTCG above ₹1.25 lakh, about ₹43.7 lakh remains, worth roughly ₹18.2 lakh in today's money at 6% inflation.
Turn it into a pension
What monthly income can this corpus generate?
The honest catch most calculators skip: a withdrawal that lasts forever is far lower than people expect — usually 3–5% a year, not 6–8%. Drawing more means spending your principal. Both figures rise with inflation so your income keeps its value. Model a custom withdrawal →
Questions
Frequently asked
Why is your maturity figure lower than other SIP calculators?
We use the geometric monthly rate, (1+r)^(1/12)-1, not the simpler r/12 that many calculators use. The r/12 shortcut compounds to more than the stated annual return and inflates the result. Our figure is the mathematically correct one for a stated annual rate.
What tax does this apply?
Equity LTCG at 12.5% on gains above Rs 1.25 lakh per financial year, per the 2024-25 regime. Toggle it off to see the pre-tax figure other calculators show.
What does real value mean?
Your post-tax corpus discounted back to today's purchasing power at the inflation rate you set. It answers what your future money is actually worth now.
Are returns guaranteed?
No. Mutual funds are market-linked. This is a mathematical projection on the assumptions you enter, not a prediction or advice.
Understand the concept: What Is a SIP? A Plain-English Guide · Why Inflation Makes Your SIP Worth Less Than You Think