SIP Calculator
Calculate Step-Up SIP, Annual Bonus, Expense Ratio & Tax
Configuration
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Total Invested
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Wealth Gained
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Lost to Fees (Exp. Ratio)
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Net Maturity Value
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Wealth Projection (Net of Fees)
Tax (LTCG)
Gross Value
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Est. Tax (12.5%)
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Post-Tax
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Tax Harvesting
Sell & Reinvest ₹1.25L profit annually to use tax-free limit.
Potential Tax Saved:
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Yearly Breakdown
| Year | SIP | Bonus | Invested | Net Value |
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Strategy Guide
To hit ₹1 Crore in 10 years with a ₹40k start, a flat investment isn't enough. You need the Step-Up strategy.
- ✓ Start with ₹40,000/month
- ✓ Increase SIP by 10% every year (Step-Up)
- ✓ Add yearly bonuses (Lumpsum) for speed
- ✓ Keep Expense Ratio low (Direct Plans)
Recommended Asset Allocation
| Category | Instrument | Alloc |
|---|---|---|
| Core Equity | Nifty 50 / Flexi Cap | 50% |
| Aggressive | Mid & Small Cap | 25% |
| Debt | Corp Bonds / PPF | 15% |
| Gold | SGB / Gold ETF | 10% |
Asset Mix
Note: In a 10-year period, expect 1-2 negative years. Do not stop SIPs during dips.
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