ZovaTool

SIP Calculator

Inputs

Result

Future Value
₹47,14,578.33
Total Invested
₹18,00,000
Wealth Gain
₹29,14,578.33
XIRR / CAGR
6.63%
LTCG Tax
₹2,81,457.83
Post-tax Value
₹44,33,120.5
Inflation-adj. Value
₹19,67,228.82

How to use the SIP Calculator

  1. Pick a Mode: SIP, Lump-sum, SIP+Lump, SWP, or Goal Planner.
  2. Enter Monthly SIP and / or Lump-sum Corpus depending on mode.
  3. Set Expected Return (% p.a.) — typical equity ranges 10–14%, debt 6–8%.
  4. Choose the Investment Period in years.
  5. Add Annual Step-up % to model a rising SIP each year (e.g. 10%).
  6. Toggle Timing — SIP debited at start vs end of month.
  7. Set Inflation to view inflation-adjusted (real) future value.
  8. Add LTCG Tax % and Exemption to see post-tax maturity.
  9. For SWP mode, set monthly withdrawal and the year withdrawals start.
  10. For Goal Planner, enter your target — the calculator back-solves required monthly SIP.
  11. Use Compare to test step-up vs flat SIP side-by-side, and export the full schedule.
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SIP — the boring strategy that quietly builds wealth

Systematic Investment Plans turn investing into a habit. By committing a fixed amount each month, you automatically buy more units when prices are low and fewer when high — a discipline called rupee-cost averaging.

The real magic is compounding plus time. A ₹10,000 monthly SIP at 12% for 25 years grows to over ₹1.9 crore — of which only ₹30 lakh is your money. The other ₹1.6 crore is pure compounded return.

Step-up SIPs are the single biggest upgrade most investors miss. Increasing your SIP by 10% every year (matching salary hikes) can deliver 50–80% more corpus versus a flat SIP over 20+ years.

SWP (Systematic Withdrawal Plan) is the mirror image — perfect for retirees. You park a corpus, withdraw a fixed monthly amount, and the rest keeps compounding. Used right, an SWP can outlast a pure FD by decades.

Tax-wise, equity SIPs enjoy ₹1 lakh LTCG exemption per year on gains held over 12 months; gains beyond that are taxed at 10%. Plan large redemptions across financial years to maximise the exemption.