📊 Free Financial Tool — 2025

SIP Calculator with Step-Up,
Inflation & Tax

Plan your mutual fund investments intelligently. Calculate your real corpus after step-up, inflation erosion, and LTCG tax.

✅ Step-Up SIP ✅ Inflation Adjusted ✅ LTCG Tax ✅ Year-by-Year Breakdown ✅ Real CAGR
Financial Planning Tool

Calculate Your SIP Returns

Adjust sliders — results update instantly.

⚙️
Investment Parameters
Set your SIP details
₹5,000
₹500₹2,00,000
10 yrs
1 yr40 yrs
12%
4%30%
📈
Annual Step-Up
Increase SIP as income grows
10%
0% (Flat)50%
💹
Inflation & Tax
Real return after erosion & taxation
6%
0%15%
Fund Type & Tax Regime
✨
Wealth Summary
Live projection
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Estimated Maturity Corpus
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Total Invested
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Total Gains
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Tax on Gains
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Post-Tax Corpus
Invested—
Gains—
Tax—
Post-Tax Real Return (CAGR)
After inflation & tax
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💡 Adjust sliders to see your inflation-adjusted real purchasing power.
📋
Year-by-Year Breakdown
Corpus, gains, tax & real value
← Scroll to see all columns →
Year SIP/mo Invested Corpus Gains Tax Post-Tax Real Value*

* Real Value = Post-Tax corpus adjusted for inflation (today's purchasing power)

⚠️ Disclaimer: This calculator is for educational purposes only. Returns are illustrative and not guaranteed. Mutual fund investments are subject to market risks. LTCG tax rates are as per Budget 2024 (12.5% for equity above ₹1.25L). Consult a SEBI-registered financial advisor before investing.

📌 What is a SIP Calculator?

A SIP calculator estimates the future value of your monthly mutual fund investments using compound interest, helping you plan long-term wealth creation through rupee cost averaging.

📈 What is Step-Up SIP?

A Step-Up SIP increases your monthly investment by a fixed % each year — aligned with salary hikes. Even a 10% annual step-up can dramatically amplify long-term corpus.

💹 LTCG Tax on SIP?

As per Budget 2024, equity mutual fund gains above ₹1.25L held over 12 months attract LTCG at 12.5%. Debt funds are taxed per your income slab.

🛡️ Why Adjust for Inflation?

At 6% annual inflation, ₹1 crore today equals ~₹31L in 20 years. Seeing the real value of your corpus in today's rupees helps you plan accurately for future goals.

📊 SIP Planning Tips

  • Start early — time beats amount every time
  • Step up by 10–15% with each salary hike
  • Stay invested through market volatility
  • Use ELSS for 80C tax savings (up to ₹1.5L)
  • Plan in real terms, not nominal corpus

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Frequently Asked Questions

What is the best SIP amount to start with in India? +
There's no minimum "best" amount — even ₹500/month makes a difference. A ₹5,000/month SIP at 12% for 20 years grows to over ₹49L. With 10% annual step-up, that crosses ₹1.5 crore.
How does step-up SIP differ from regular SIP? +
A regular SIP has a fixed monthly investment. A step-up SIP increases by a set % each year, mirroring income growth and significantly boosting the final corpus through larger compounding instalments.
Is LTCG tax applicable on SIP mutual fund returns? +
Yes. For equity mutual funds, gains above ₹1.25L per year on units held over 12 months attract 12.5% LTCG tax (Budget 2024). Each SIP instalment has its own 12-month holding calculation.
What inflation rate should I use for SIP planning? +
India's CPI has historically averaged 5–7%. Use 6–7% for conservative planning. For education or healthcare goals, use 8–10% as these sectors see higher inflation.
Can I trust online SIP calculators for financial planning? +
Online calculators are excellent for awareness and estimates. They use simplified assumptions (constant returns, single tax event). Always consult a SEBI-registered advisor for personalised planning.