Calculate SIP returns with CAGR, inflation adjustment, and post-tax corpus
Free SIP return calculator with CAGR, inflation-adjusted corpus, LTCG tax at 12.5%, and debt fund slab-rate taxation. Compare equity vs debt SIPs. This tool is built for practical, real-world usage where speed, clarity, and reliable output matter. You can start with the default values, review the result, and then refine inputs step by step to match your exact scenario.
For best results, keep your inputs clean and complete. Double-check units, date ranges, and value formats before you calculate. If you are comparing multiple scenarios, change one variable at a time so you can clearly understand what moved the output.
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Each monthly SIP installment earns returns independently. The formula is: FV = P × [(1+r)^n - 1] / r × (1+r), where P = monthly amount, r = monthly rate, n = total months.
Long-term capital gains (held > 1 year) above ₹1.25 lakh are taxed at 12.5%. Gains up to ₹1.25 lakh per financial year are tax-free.
Debt fund gains are added to your income and taxed at your income tax slab rate, regardless of holding period (as per 2024 rules).
Inflation erodes purchasing power. A ₹1 crore corpus 20 years from now will have significantly less real value. The inflation-adjusted figure shows today's equivalent value.
Purpose: Calculate SIP returns with CAGR, inflation adjustment, and LTCG tax impact.
Comprehensive SIP calculator with monthly compounding, CAGR computation, inflation-adjusted corpus, and post-tax returns. Handles LTCG tax at 12.5% on equity gains above ₹1.25L and debt fund slab-rate taxation. Toggle between equity and debt funds.
This page includes tool-specific method notes, edge-case guidance, and reference context to provide substantial user value beyond a basic calculator interface.