SIP Calculator

Small steps. Serious wealth.

Step-up SIP with XIRR projection, LTCG tax impact, and real purchasing power — all in one view.

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Final corpus

₹1.83 Cr

In today's ₹

₹39.2 L

inflation-adjusted

LTCG tax drag

−₹16.1 L

Wealth ratio

2.7×

₹68.7 L invested

SIP settings

₹/mo
%/yr

increase SIP each year as income grows

years
%
≤15% realistic16–19% optimistic20%+ aggressive

Inflation

%

includes CPI + your lifestyle delta

Step-up grows your SIP from ₹10 K/mo to ₹61 K/mo by year 20. LTCG costs ₹16.1 L. Real purchasing power: ₹39.2 L.

Final corpus

₹1.83 Cr

In today's ₹

₹39.2 L

Tax drag

−₹16.1 L

Wealth ratio

2.7×

Total invested

₹68.7 L

Milestone tracker — when do you hit each crore?

MilestoneYearPost-tax value (today's ₹ below)
₹1 CrYear 17₹1.13 Crtoday's ₹: ₹30.6 L

SIP Calculator — Step-Up SIP with LTCG & Real Returns

This calculator models a step-up (top-up) SIP using the annuity-due compounding model (beginning-of-month contribution) consistent with the AMFI SIP calculator methodology. SIP contributions step up annually: year 2 SIP = year 1 SIP × (1 + step-up rate). LTCG is applied at redemption using the 12.5% post-Budget 2024 rate with ₹1,25,000 exemption. Real corpus deflates the post-tax result at the entered inflation rate to show purchasing power in today's rupees.

+How does a step-up SIP work?

A step-up SIP increases your monthly contribution by a fixed percentage each year. Starting at ₹10,000/month with a 10% step-up: year 1 = ₹10,000/month, year 2 = ₹11,000/month, year 3 = ₹12,100/month, and so on. By year 10, you're investing ₹23,579/month. This aligns with typical salary growth and dramatically increases long-term corpus. At 12% XIRR over 20 years, a 10% step-up more than doubles the final corpus compared to a flat SIP — from ~₹1 crore to ~₹2.17 crore.

+What XIRR is realistic for equity mutual funds?

AMFI data shows Nifty 50 TRI delivered approximately 13.5% CAGR over the 20-year period 2004-2024. Large-cap equity funds have historically delivered 12-14% XIRR over long rolling periods; flexi-cap funds 13-15%. For conservative planning, 10-12% is widely used. Returns above 18% are possible in specific cycles but are not reliable planning assumptions. Our calculator defaults to 12% — adjust downward for conservative estimates.

+How does LTCG reduce my actual SIP corpus?

Under Finance Act 2024 (Income Tax Act Section 112A), gains on equity mutual fund units held >12 months are taxed at 12.5% on the amount above ₹1,25,000/year. On a ₹23 lakh corpus built from ₹12 lakh invested over 10 years, taxable gain ≈ ₹9.99 lakh, tax ≈ ₹1.25 lakh — reducing your corpus by 5.4%. Enable "LTCG" in the calculator to see the post-tax figure. Note: actual tax depends on your total annual capital gains across all instruments.

+What does "real corpus" mean and why does it matter?

Real corpus deflates your projected lump sum by the inflation rate to show its purchasing power in today's rupees. Example: ₹1 crore in 20 years at 7% inflation is worth only ₹25.8 lakhs in today's money (₹1 crore ÷ (1.07)^20 = ₹25.8L). This is why the real corpus is often a sobering number — it shows you whether your nominal target is actually enough. Use the inflation input to model CPI-only scenarios (6%) or higher lifestyle inflation (8-10%).