India ka sabse advanced SIP calculator. Step-Up SIP, inflation-adjusted returns, LTCG tax, goal-based planning, year-wise breakdown table, and interactive growth chart — sab ek jagah. 🇮🇳 100% Free.
India's most feature-rich SIP calculator. Calculate regular SIP, step-up (increasing) SIP, or reverse-plan your goal corpus. Includes CAGR, inflation adjustment, LTCG tax, year-wise growth table, and dynamic multi-series chart.
| Year | SIP Amt/mo | Invested (Yr) | Total Invested | Portfolio Value | Returns | Growth |
|---|
RajDailyTools SIP Calculator vs basic calculators — what makes this different.
| Feature | RajDailyTools SIP | Basic Calculators |
|---|---|---|
| Regular SIP | ✅ Yes | ✅ Yes |
| Step-Up SIP (Annual increase) | ✅ Yes | ❌ No |
| Lump Sum + SIP Combined | ✅ Yes | ❌ No |
| Goal-Based Planning (Reverse) | ✅ Yes | ❌ No |
| Inflation-Adjusted Real Returns | ✅ Yes (6%) | ❌ No |
| LTCG Tax Calculation | ✅ Yes (12.5%) | ❌ No |
| Year-wise Breakdown Table | ✅ Yes | ❌ No |
| Interactive Growth Chart | ✅ Multi-series | ⚠️ Basic |
| Wealth Milestones | ✅ Yes | ❌ No |
| Rule of 72 (Doubling Time) | ✅ Yes | ❌ No |
| Corpus Pie Chart | ✅ Yes | ❌ No |
| Data Privacy | ✅ Zero Data Stored | ⚠️ Unknown |
SIP kya hai, Step-Up kya hota hai, LTCG tax, real-life examples, aur long-term wealth strategy — sab yahan.
SIP stands for Systematic Investment Plan. It is a method of investing a fixed amount in a mutual fund at regular intervals — typically monthly. When you set up a SIP, a fixed amount is automatically debited from your bank account every month and invested into your chosen mutual fund scheme at the current NAV (Net Asset Value).
SIP is the most popular and disciplined way to invest in mutual funds. It removes the need to time the market and works on the principle of rupee cost averaging — buying more units when markets are low and fewer when markets are high, automatically averaging out your purchase cost over time.
A Step-Up SIP (also called Top-Up SIP) allows you to automatically increase your SIP amount by a fixed percentage every year. For example, if you start with ₹5,000/month and choose a 10% annual step-up, your SIP becomes:
SIP returns use the Future Value of Annuity formula: FV = P × [((1+r)^n – 1) / r] × (1+r), where P = monthly SIP amount, r = monthly return rate (annual rate ÷ 12), n = total months. For Step-Up SIP, each year's SIP amount is calculated separately and summed across years accounting for compound growth on each instalment.
As per the Finance Act 2024, Long Term Capital Gains (LTCG) on equity mutual funds are taxed at 12.5% (changed from 10% in Budget 2024) on gains exceeding ₹1.25 lakh per year (exemption limit unchanged at ₹1 lakh for FY25). Holding period for LTCG qualification is more than 12 months. Short-term gains (STCG) are taxed at 20%.
See the incredible power of even a small ₹1,000 monthly SIP across different time horizons at 12% CAGR:
₹1,000/month for 30 years at 12% = nearly ₹35 lakh. That's the pure power of compounding and patience.
For most Indian retail investors, a simple 3-fund portfolio with monthly SIP works best: Nifty 50 index fund (50%), Nifty Next 50 / Midcap 150 index fund (30%), and a Debt/Short-Term fund (20%). Low expense ratio, diversified, and rebalanced annually. With a 10% step-up SIP on this portfolio, building ₹1 Cr+ corpus in 12–15 years on a ₹10,000/month SIP is very achievable.
SIP investment ke baare mein sabse common sawaal.
For any suggestions, feature requests, or improvements to this SIP calculator, contact us anytime. We regularly update our tools.
📩 Contact Us🔒 Privacy: No data is collected or stored. All calculations happen locally in your browser. Zero data sent to any server.
Done planning your SIP? Calculate ETF investment returns with CAGR, compounding growth, and year-by-year projections on our advanced ETF calculator.