Pro SIP Calculator Online
Calculate Mutual Fund Wealth, Step-Up Growth, LTCG Tax & Download PDF
(Estimated LTCG Tax @ 12.5% after ₹1.25L exemption: ₹0)
| Year | Invested (₹) | Interest (₹) | Balance (₹) |
|---|
- Regular & Step-Up SIP with Real-Time Slider controls
- 12.5% Long-Term Capital Gains (LTCG) post-tax computation
- Category benchmark presets for Large, Mid, and Small Cap indices
- Inflation adjusted purchasing power & Year-by-Year schedule
- Zero-server cost client-side PDF Report generator
Professional Online SIP & Wealth Calculator — The AI Hub Tools
A Systematic Investment Plan (SIP) combined with disciplined annual Step-Ups is one of the most powerful wealth-creation engines in mutual fund history. This tool by The AI Hub Tools empowers you to evaluate compound growth, calculate actual post-tax in-hand returns after 12.5% LTCG tax, observe inflation erosion, and download an official financial report.
Post-Budget LTCG Tax Rules for Mutual Funds
Under the latest tax regulations in India, equity mutual fund capital gains exceeding ₹1.25 Lakhs per financial year are subject to a flat 12.5% Long-Term Capital Gains (LTCG) tax. Our tool accurately calculates your taxable gains above this exemption, giving you your exact net in-hand wealth corpus.
Understanding Step-Up SIP (The Compounding Accelerator)
A standard SIP keeps your monthly contribution constant throughout your tenure. However, as your career progresses and income rises, increasing your SIP amount annually by 10% or 15% (known as a Step-Up SIP) exponentially boosts your final wealth corpus without placing immediate financial strain on your budget.
Frequently Asked Questions (FAQs)
1. How is the LTCG tax calculated in this tool?
The calculator subtracts your total principal invested from the final maturity corpus to compute gross returns. An exemption of ₹1,25,000 is deducted from the gains, and a 12.5% tax is applied to the remaining taxable profit.
2. What is a Step-Up SIP and why should I use it?
A Step-Up SIP automatically raises your monthly mutual fund investment by a chosen percentage every year, mirroring your salary hikes and dramatically accelerating compounding.
3. What benchmark return rates should I choose?
Historically over 10-15 year horizons, Large Cap index funds yield around 12%, Mid Caps around 14%, and Small Cap funds range around 16% CAGR.
4. Can I save or print my investment projection?
Yes! Click the green "📄 Download PDF" button to download an official, multi-page formatted investment schedule with tax analysis directly to your device.
5. Is this tool 100% free and private?
Yes. All algorithms, tax computations, and PDF renders execute entirely inside your local web browser. No financial data is ever stored or transmitted to external servers.