SIP & step-up projection
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. Details
On a total invested of ₹—:
LTCG tax deducted: ₹— · Inflation erodes — of the headline.
| Year | Invested | Gains | Value |
|---|
Turn it into a pension
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
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.
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.
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.
No. Mutual funds are market-linked. This is a mathematical projection on the assumptions you enter, not a prediction or advice.