💰 SIP & Lumpsum Calculator

Advanced investment calculator with accurate XIRR (Newton-Raphson), step-up SIP with year-by-year compounding, Indian LTCG/STCG tax with ₹1,25,000 exemption, and inflation-adjusted real returns.

Finance Tool

LTCG Tax FY 2025-26

Total Invested

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Total Value

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at maturity

Est. Returns

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wealth gained

After Tax Value

—

net in hand

Real Value (Inflation adj.)

—

today's purchasing power

XIRR (Newton-Raphson)

—

true annualised return

SIP Calculator

Monthly SIP (₹) ₹10,000

Expected Return (% p.a.) 12%

Investment Period (years) 15 yr

Step-up SIP (%/yr) 0%

Increase SIP by this % every year

Tax on Gains

Inflation (% p.a.) 6%

Compounding

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Wealth Breakdown

Invested—

Net returns—

Tax payable—

Growth Over Time

Total value Invested Real value

Invested vs Returns — Milestones

Invested Returns

📋 Year-by-year breakdown

Year	SIP/mo	Invested	Gross Value	Returns	Real Value*

* Inflation-adjusted value in today's purchasing power

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Disclaimer: For educational purposes only. Consult a financial advisor before investing.