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Estimate the future value of your monthly SIP investment.
We'll instantly compare both tax regimes and show which saves you more.
Indicative result — final figures may differ based on specific facts.
Your result will appear here
Fill in the form on the left and we'll compute your numbers instantly.
Indicative results — final figures may differ based on specific facts and recent amendments. Contact us for a tailored review.
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Step by step
Fill in the fields with your actual numbers. Sensible defaults are provided.
Detailed methodology
The exact formula, statutory references and edge-cases used to compute your result. Click any card to see the relevant sub-section of the Income Tax Act, 1961.
FV = P × ((1+r)^n − 1) / r × (1+r), where P = monthly SIP, r = monthly expected return (annual / 12 / 100), n = number of months. The (1+r) at the end accounts for the fact that each SIP installment also earns return for the period it is invested.
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The result is computed instantly using current rates and standard formulas.
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Want the math? See Detailed methodology further down this page.
What we assume
Standard SIP annuity formula with monthly compounding.
Expected returns, market volatility, and exit load.
Heads up. For situations involving international income, business income, or capital gains, always cross-check with a qualified Chartered Accountant before acting on these numbers.
SIP returns displayed are absolute (point-to-point). XIRR accounts for the exact timing of each cash inflow and is the more accurate measure for SIPs — use a portfolio tracker for the XIRR figure. The difference is small for long horizons.
Most equity funds charge 1% exit load if redeemed within 1 year of investment. Our SIP calculator does not deduct exit load — actual returns after exit load will be lower for early redemptions.
Gains on equity fund redemption: STCG 20% (held ≤12 months), LTCG 12.5% above ₹1.25L (held >12 months). Debt fund gains taxed at slab rate irrespective of holding (post-April 2023). TDS is not deducted on mutual fund redemption for resident individuals.
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