SIP calculator India 2026 Wealth, tax & real CAGR

At 12% p.a., ₹5,000 per month for 10 years becomes approximately ₹11.6 lakh before tax. You invest ₹6 lakh and earn about ₹5.6 lakh in gains. Use the calculator above with tax and inflation toggles for a post-tax, real-return view.

At 12% p.a., ₹10,000 per month for 10 years becomes approximately ₹23.2 lakh before tax. You invest ₹12 lakh and earn about ₹11.2 lakh in gains. Actual returns depend on market performance, fund category, expenses and taxation.

At 12% p.a., ₹15,000 per month for 20 years becomes approximately ₹1.5 crore before tax. You invest ₹36 lakh; the rest is market-linked growth. Turn on LTCG tax and inflation in the calculator to see post-tax purchasing power.

At 12% p.a., you need roughly ₹19,800 per month for 15 years to reach ₹1 crore before tax (about ₹35.6 lakh invested). At 10% p.a. the required SIP is higher — roughly ₹24,500/month. Adjust return, tax and inflation in the calculator for your goal.

For equity mutual fund SIP units held more than 12 months, long-term capital gains are taxed at 12.5% on gains above ₹1.25 lakh per financial year (Union Budget 2024). STCG on equity held under 12 months is taxed at 20%. This calculator uses a simplified LTCG estimate on total gains.

No. Equity SIP gains are not fully tax-free. After 12 months, gains qualify as LTCG — taxed at 12.5% above the ₹1.25 lakh annual exemption. Gains below the exemption threshold attract no LTCG in that year, but the full corpus is never tax-free on withdrawal.

For diversified equity mutual funds, 10–15 years is a healthier SIP duration because it gives compounding time to work and reduces the risk of exiting during a weak market cycle. For goals under 3 years, use safer products like RD, FD or liquid funds instead.

A long-term equity SIP can beat inflation, but it is not guaranteed. The real result depends on nominal return, CPI inflation, fund selection, expenses and tax. Use the calculator's inflation input to convert future wealth into today's purchasing power.

Equity SIP held 12+ months: LTCG at 12.5% on gains above ₹1.25 lakh per financial year. Each installment has its own holding period — this calculator uses a simplified estimate on total gains.

SIP is better for long-term wealth goals when you can accept market volatility. RD is better for short-term, fixed-date goals where capital safety matters more than growth. Compare both with the same monthly amount and inflation turned on.

SIP reduces timing risk by spreading purchases across market levels. Lump sum can outperform if markets rise soon after investing, but it demands better timing and emotional discipline. Salaried investors usually prefer SIP because it fits monthly cash flow.

Many mutual fund schemes allow SIPs from ₹500 per month, and some platforms support even smaller amounts. Check the scheme document because minimum amounts vary by AMC and fund.

Yes. Most investment platforms allow you to pause, stop, resume, increase or decrease SIPs. Missing one SIP installment usually has no fund penalty, although your bank may charge for failed mandate attempts.

No. SIP returns are market-linked and not guaranteed. The benefit of SIP is disciplined investing and rupee-cost averaging, not fixed returns. Use conservative return assumptions when planning important goals.

Yes. NRIs can invest in Indian mutual fund SIPs after completing KYC, FATCA declarations and bank account requirements. Some AMCs may restrict investors from specific countries, so check platform rules before investing.

Total invested, pre-tax maturity, wealth gained, estimated LTCG tax, nominal or real CAGR, six reality-check insights, and a growth chart. Toggle tax (12.5% default) and inflation to see post-tax purchasing power — see the results explained section for each field.