SIP Calculator
Calculate systematic investment plan growth with monthly compounding, annual step-up %, and Budget 2024 LTCG tax.
SIP Return & Wealth Calculator
With Annual Step-Up, Inflation Purchasing Power, and Budget 2024 LTCG Tax (12.5%)
₹23,23,391
Estimated Total Wealth Multiplier: 1.94x
Total Invested Amount
₹12,00,000
52% of final corpus
Estimated Wealth Gain
₹11,23,391
48% from pure compounding
Post-Tax In-Hand (Budget 2024)
₹21,93,600
After ₹1,29,791 LTCG Tax (12.5%)
Planning to redeem mutual funds or rebalance portfolio?
Digital Bharat Law assists with tax harvesting under ₹1.25L limit.
Equity SIP & Step-Up Compounding Strategist
Mutual Fund Compounding & Wealth Acceleration Advisor · Digital Bharat Law
Suggested Questions for this Tool:
Understanding SIP Calculator
A Systematic Investment Plan (SIP) allows you to invest a fixed sum of money at regular monthly intervals into mutual fund schemes. It instills financial discipline and leverages Rupee Cost Averaging—purchasing more mutual fund units when markets dip and fewer units when markets rise.
The compounding effect transforms small monthly investments into substantial wealth over 10, 15, or 20-year horizons. Adding an annual step-up (increasing your SIP by 10% each year as your income grows) can more than double your final maturity corpus.
* Budget 2024 increased LTCG tax on equity mutual funds to 12.5% on gains exceeding ₹1.25 Lakhs/year.
Key Regulatory Rules & Thresholds (FY 2025–27)
Essential departmental provisions, tax brackets, and statutory compliance mandates.
Rupee Cost Averaging
RCA PrincipleEliminates the risk of bad market timing by spreading unit purchases across market highs and market lows.
Power of Step-Up Compounding
10% Step-UpA ₹10,000 monthly SIP for 15 years at 12% yields ~₹50.4 Lakhs. Adding a 10% annual step-up increases the corpus to ~₹87.5 Lakhs!
Budget 2024 LTCG Tax on Equity
12.5% LTCGUnits held > 12 months attract 12.5% Long-Term Capital Gains tax on net profits exceeding ₹1,25,000 per financial year.
Direct vs Regular Plans
Direct Mutual FundDirect plans have zero distributor commissions and lower expense ratios (0.5%–1.0% lower), compounding to 15% higher returns over 20 years.
Frequently Asked Questions
Authoritative answers to common questions and search queries verified by Chartered Accountants.
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