SIP
Monthly investing, compounded — then the part every SIP chart skips: what redemption tax leaves you with.
What the SIP chart shows
₹5.00 Cr
₹50,000/mo for 20 years at 12%
What you'd keep on redemption
₹4.52 Cr
Worth ₹1.55 Cr in today's money
Total invested
₹1.20 Cr
240 instalments
Growth earned
₹3.80 Cr
Before tax
LTCG at redemption
₹47.3 L
12.5% above ₹1.25L exemption
In today's money
₹1.55 Cr
At 5.5% inflation
Inputs
Monthly SIP₹50,000
Years20 yrs
Assumes equity taxation: 12.5% LTCG above the ₹1.25L annual exemption, applied once at full redemption. Staggered redemption across years can use the exemption repeatedly.
Growth · gross vs in-hand
Year by year
| Year | Contributed | Growth this year | Corpus |
|---|---|---|---|
| 1 | ₹6,00,000 | ₹40,466 | ₹6.4 L |
| 2 | ₹6,00,000 | ₹1,21,694 | ₹13.6 L |
| 3 | ₹6,00,000 | ₹2,13,222 | ₹21.8 L |
| 4 | ₹6,00,000 | ₹3,16,359 | ₹30.9 L |
| 5 | ₹6,00,000 | ₹4,32,577 | ₹41.2 L |
| 6 | ₹6,00,000 | ₹5,63,533 | ₹52.9 L |
| 7 | ₹6,00,000 | ₹7,11,098 | ₹66.0 L |
| 8 | ₹6,00,000 | ₹8,77,378 | ₹80.8 L |
| 9 | ₹6,00,000 | ₹10,64,747 | ₹97.4 L |
| 10 | ₹6,00,000 | ₹12,75,879 | ₹1.16 Cr |
| 11 | ₹6,00,000 | ₹15,13,787 | ₹1.37 Cr |
| 12 | ₹6,00,000 | ₹17,81,868 | ₹1.61 Cr |
| 13 | ₹6,00,000 | ₹20,83,948 | ₹1.88 Cr |
| 14 | ₹6,00,000 | ₹24,24,340 | ₹2.18 Cr |
| 15 | ₹6,00,000 | ₹28,07,902 | ₹2.52 Cr |
| 16 | ₹6,00,000 | ₹32,40,110 | ₹2.91 Cr |
| 17 | ₹6,00,000 | ₹37,27,132 | ₹3.34 Cr |
| 18 | ₹6,00,000 | ₹42,75,920 | ₹3.83 Cr |
| 19 | ₹6,00,000 | ₹48,94,309 | ₹4.38 Cr |
| 20 | ₹6,00,000 | ₹55,91,125 | ₹5.00 Cr |