Put in a monthly amount, a return you expect, and a number of years. See what
it turns into before tax, after tax, and after inflation — three very different numbers.
₹
%
yrs
How long you keep investing every month.
%
Used to convert the maturity value into today's purchasing power.
Maturity value (before tax)
₹0
Total invested
₹0
Wealth gained
₹0
Maturity value
₹0
Estimated LTCG tax (equity)
₹0
Post-tax maturity value
₹0
Same value, today's rupees
₹0
Invested vs. value, year by year
Nominal, before tax
Portfolio valueAmount invested
Tax assumption: equity mutual funds held over a year qualify for long-term
capital gains — taxed at 12.5%, with the first ₹1.25L of gains in a financial year
exempt. This calculator applies that exemption once, to the whole gain, as a simplification;
a real SIP redeemed as one lump sum has each instalment's gain taxed on its own holding
period, and some of your most recent instalments may still count as short-term (taxed at
20%) if you redeem within a year of investing them. Debt funds and non-equity instruments
are taxed differently. This is not tax advice — check current rules or a CA before relying
on the number.
Inflation assumption: "today's rupees" divides the post-tax maturity value
by 6% compounded annually over the full
term. It tells you what that future amount would be worth if prices kept rising at this
rate — it does not change the maturity value itself.