Investment Parameters
Configure your investment plan below
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%
Yrs
Stop SIP early
Continue to grow post-investment
Yrs
Advanced Settings
Inflation, tax, expense ratio
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%
Apply LTCG Tax (10%)
On gains above ₹1 lakh
Show Inflation-Adjusted Returns
Real returns in today's value
Total Value
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at maturity
Total Gains
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net profit
Total Invested
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total outflow
Abs. Returns
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XIRR / CAGR
Growth Over Time
Invested
Portfolio Value
Net Gains
Portfolio Split
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Gain %
Invested
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Returns
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Gain %
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Breakdown
Year-by-Year Summary
All values in ₹
| Year | Invested (Yr) | Total Invested | Portfolio Value | Gains | Abs. Return |
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📘 Learn
What is a SIP?
A Systematic Investment Plan (SIP) is a disciplined way of investing a fixed amount at regular intervals (monthly, quarterly, or yearly) into a mutual fund scheme. It harnesses the power of compounding and rupee cost averaging to build wealth over time.
SIP Formula
M = P × [((1+r)ⁿ − 1) / r] × (1+r)
Where M = Maturity amount, P = Monthly installment, r = Monthly interest rate, n = Number of installments.
1
Set Amount
Choose how much you can invest each month, starting as low as ₹500.
2
Pick a Fund
Select a mutual fund based on your risk appetite and financial goals.
3
Stay Invested
Consistency is key. Longer investment horizons yield significantly better results through compounding.
FAQs
What is the difference between SIP and Lumpsum? +
SIP lets you invest a fixed amount periodically, averaging out market volatility through rupee cost averaging. Lumpsum means investing your entire amount at once — ideal when markets are at low valuations. This calculator supports both modes.
What is a Step-up SIP? +
A Step-up (or Top-up) SIP allows you to increase your monthly investment by a fixed percentage each year — aligned with salary increments. For example, starting with ₹5,000/month and a 10% annual step-up means you invest ₹5,500 in year 2, ₹6,050 in year 3, and so on — significantly boosting your corpus.
What is "Stop SIP"? +
The Stop SIP feature lets you model a scenario where you stop investing after a certain number of years, but let your corpus continue to grow (remain invested). This is useful to compare the effect of extended investment vs early cessation.
How is LTCG tax calculated? +
Long-Term Capital Gains (LTCG) tax applies at 10% on equity mutual fund gains exceeding ₹1 lakh in a financial year. Enable the LTCG toggle in Advanced Settings to see the estimated post-tax value of your investment.
Why does expense ratio matter? +
The expense ratio is the annual fee charged by a mutual fund. A 1% expense ratio on a ₹10L corpus costs ₹10,000/year. Over 20 years, this can significantly erode returns. Always compare direct vs regular plans for the same fund.