SIP Calculator
Systematic Investment Plan — with step-up, LTCG tax, and inflation reality check.
📊 Investment Inputs
₹
%
Yrs
⚙️ Honest Inputs
%
%
%
Include LTCG Tax (12.5% on gains above ₹1.25L/yr)
🎯 The Real Picture
📈 Nominal Corpus
Calculating...
Pre-tax, pre-inflation
🏛️ After LTCG Tax
Calculating...
Tax you'll likely owe
🧮 Real Value Today
Calculating...
Inflation-adjusted
Total Invested
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Total Returns
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Est. LTCG Tax
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Wealth Multiplier
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📋 Year-by-Year Breakdown
| Year | Monthly SIP | Total Invested | Portfolio Value | Gains | Real Value* |
|---|
*Real value = inflation-adjusted in today's purchasing power
Ready to start your SIP?
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EMI Calculator
Home, car, or personal loan — with full amortisation schedule and prepayment impact.
🏠 Loan Details
₹
%
Yrs
💡 Prepayment (Optional)
₹
%
📊 Loan Summary
Monthly EMI
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Total Interest
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Total Payment
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Processing Fee
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📋 Amortisation Schedule
| Year | EMI/Month | Principal Paid | Interest Paid | Outstanding |
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SIP vs Loan — Which is Better?
Should you invest extra money in SIP or prepay your loan? Compare both scenarios.
🏠 Your Loan
₹
%
Yrs
₹
📈 SIP Assumptions
%
Yrs
%
🏆 Side-by-Side Verdict
📈 Scenario B — Invest in SIP
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Estimated corpus
🏠 Scenario A — Prepay Loan
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Interest saved by prepaying
SIP Net Gain
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Interest Saved
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Time Saved on Loan
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Better Option
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