SIP Calculator with LTCG Tax
Estimated SIP value at an assumed return, with step-up, and the capital gains tax on redeeming: 12.5% above ₹1.25 lakh for equity funds.
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The SIP Calculator estimates what a monthly systematic investment plan could grow to at a return rate you assume, with an optional yearly step-up, and shows the capital gains tax if the whole amount were redeemed at the end. For equity-oriented funds, units held over 12 months are long-term and taxed at 12.5% on gains above Rs 1.25 lakh a year (Section 112A, Section 198 from Tax Year 2026-27); units held 12 months or less are taxed at 20%. It is an illustration only: returns are not guaranteed and the tool does not recommend any fund.
Use the SIP Calculator with LTCG Tax
Estimated Value
Estimate the value of a SIP (systematic investment plan) in a mutual fund at an assumed yearly return, and see the capital gains tax if all units were sold at the end. Each monthly instalment buys units on its own date, so instalments made in the last 12 months are short-term even when the SIP has run for years; the tool splits the gain accordingly. Market-linked returns vary and can be negative; the rate you enter is an assumption, not a forecast.
Growth year by year
Year 1 is the first 12 instalments from the start of the SIP. Values assume the same return every month.
| Year | Monthly SIP | Invested in the year | Total invested | Value at year end |
|---|
- Formula: with a level SIP, value = P × ((1 + i)n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the yearly return ÷ 12 ÷ 100 and n is the number of months. Each instalment is assumed to be invested at the start of its month. This is the convention most SIP calculators use; a fund's actual return is reported as an XIRR and will differ.
- Equity-oriented funds: units held for more than 12 months give long-term capital gains, taxed at 12.5% on the total of such gains above ₹1,25,000 in a financial year (Section 112A of the Income-tax Act, 1961; Section 198 of the Income-tax Act, 2025 from Tax Year 2026-27), without indexation. Units held for 12 months or less give short-term gains taxed at 20% (Section 111A; Section 196). These rates apply to transfers on or after 23 July 2024. Securities transaction tax must have been paid on the sale.
- Debt funds bought on or after 1 April 2023 (more than 65% in debt and money-market instruments): the whole gain is treated as short-term whatever the holding period and is taxed at your slab rate (Section 50AA of the 1961 Act, carried into the 2025 Act). Hybrid funds between these two are taxed differently; this tool does not cover them.
- Holding period per instalment: each SIP instalment is a separate purchase. When everything is sold at the end, roughly the last 12 instalments are short-term. The tool treats an instalment as long-term only if it was held 13 months or more, which is the safe side of the "more than 12 months" test.
- The ₹1.25 lakh exemption is per person per financial year across all equity long-term gains, so enter any other such gains you expect in the year of sale. The 4% health and education cess is added; surcharge, which for these gains is capped at 15%, is not.
- Rebate: the Section 87A / 156 rebate cannot be used against tax on these special-rate gains under the new regime; check your own position before filing. A resident whose other income is below the basic exemption limit can set the unused limit against these gains; the tool does not apply that.
To work out the tax on a sale you have already made, with actual dates and prices, use the Capital Gains Tax Calculator.
Law used: Sections 50AA, 111A and 112A of the Income-tax Act, 1961; Sections 196 and 198 of the Income-tax Act, 2025. Official sources: the bare Acts on incometaxindia.gov.in and the ₹1.25 lakh limit for Section 112A gains in the ITR-1 FAQs on the e-Filing portal.
Frequently Asked Questions
How is the future value of a SIP calculated?
How are gains on an equity mutual fund SIP taxed?
Is the Rs 1.25 lakh exemption per fund or per year?
How are debt fund SIPs taxed?
Does a SIP give a deduction under Section 80C?
Due in the next 30 days
Income tax- TDS / TCS deposit (e-Pay Tax, Challan ITNS 281) for October
- ITR Filing (taxpayers under audit, companies)
- ITR Filing (international / specified domestic TP)
Full compliance calendar → Statutory dates, which can be extended by notification. General information only.