SIP Calculator 2026 - Mutual Fund SIP Calculator with Step-up & Inflation

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SIP Calculator se aap har mahine ki SIP se kitna bada corpus banega ye dekh sakte hain. SIP ka full form Systematic Investment Plan hai. India me 15% XIRR long term me common hai. Hamare calculator me Step-up SIP ka option hai - jaise har saal 10% SIP badhana, jo salary badhne pe log karte hain. Saath hi Inflation adjustment bhi hai taki aapko pata chale 20 saal baad ke 1 crore ki value aaj ke kitne ke barabar hogi.

SIP Calculator - Advanced Options

Monthly SIP (₹) Expected Annual Return (%) Time Period (Years) Annual Step-up (%) Expected Inflation (%)

Formula: FV = P × [((1+i)^n -1)/i] × (1+i)
Step-up SIP me har saal P = P × (1+step%)

FAQ - SIP

Q: 12% return realistic hai?

Nifty 50 ka 15 saal ka average 12-13% raha hai. Large cap me 12%, mid cap me 14-15% maana jata hai. Lekin guarantee nahi hai, market linked hai.

Q: Step-up SIP kyu karna chahiye?

Har saal salary 8-10% badhti hai, agar SIP bhi utni hi badhayenge to corpus 40-50% zyada banega. 5000 se start karke 10% step-up se 15 saal me normal SIP se 15 lakh zyada milega.

Q: SIP me tax kaise lagta hai?

Equity Mutual Fund me 1.25 lakh se zyada LTCG pe 12.5% tax FY 2024 se. 1 saal se pehle nikalne pe 20% STCG.

Q: ₹5000 SIP 20 saal me kitna banega?

12% pe ~50 lakh, 15% pe ~75 lakh. Step-up 10% ke saath 12% pe ~75 lakh banega.

Q: SIP vs FD kaun behtar?

Long term (10+ years) ke liye SIP FD se 3-4% zyada return deta hai, par risk bhi hai. Short term ke liye FD safe.

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SIP Calculator 2026 - Mutual Fund SIP Calculator with Step-up & Inflation

SIP Calculator - Advanced Options

FAQ - SIP

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