Smart Mutual Fund SIP & Wealth Growth Calculator
Project your wealth creation with systematic investment plans. Features annual step-up compounding, inflation adjustments, and Budget 2024 LTCG tax calculations.
Customize your monthly contributions and timeframe
*Exempts first ₹1.25 Lakh gains per FY under Section 112A.
Annual progression of invested principal vs portfolio corpus
| Year | Monthly SIP | Yearly Deposit | Total Invested | Interest Earned | Closing Balance |
|---|
Essential rules, compounding strategies, and tax facts
A Systematic Investment Plan (SIP) allows you to invest a fixed sum regularly into mutual funds (weekly, monthly, or quarterly). It enforces disciplined saving and leverages Rupee Cost Averaging, reducing the need to time market volatility.
A Step-Up SIP automatically raises your monthly investment amount by a chosen percentage (e.g., 10% annually) to match salary increments. Over 15–20 years, a 10% step-up can often double your final corpus compared to a flat SIP.
Effective July 23, 2024, Long-Term Capital Gains (LTCG) on equity mutual funds held for more than 12 months are taxed at 12.5% (plus 4% cess, effective 13%) on profits exceeding the exempt limit of ₹1,25,000 per financial year.