All Calculators
Section 112A / 111A Capital Gains CompliantMonthly Compounding EngineStep-Up & Inflation Ready

SIP & Wealth Compounding Simulator

Forecast exponential long-term wealth growth through systematic monthly investments, model annual step-up top-ups, adjust for inflation erosion, and optimize tax efficiency.

Multi-Asset Portfolio Growth Simulator
Asset Class Return Benchmarks (Historical CAGRs)
1. Investment Capital₹15,000 / mo
Monthly Contribution (₹)
₹1,000₹50,000₹1,00,000₹2,00,000+
2. Return Rate & Time Horizon
Expected Return Rate (p.a. CAGR)Compounded monthly
%
4% (Conservative)12% (Equity Index)18% (High Alpha)25%
Investment Tenure (Years)180 monthly compounding cycles
Yrs
1 Year10 Years20 Years35 Years
3. Annual Step-Up Top-Up (Optional)Accelerate Wealth Creation

Estimated Maturity Value

2.80x Wealth Multiplier
Expected Corpus (15 Years @ 12%)
₹75,68,640
Invested: 36%Profit: 64%
Total Capital InvestedYour out-of-pocket principal
₹27,00,000
Estimated Returns / GainCompound growth generated
+ ₹48,68,640
Total Future CorpusInvested + Compound Returns
₹75,68,640
WhatsApp CA Partner for Tax Optimization

Statutory Mutual Fund Taxation Rules

Equity Funds LTCG (Section 112A)
Gains on holding > 12 months taxed at 12.5%. First ₹1.25 Lakhs in capital gains per financial year is 100% tax-free.
Equity Funds STCG (Section 111A)
Gains on units redeemed within 12 months taxed at flat 20% (applicable from 23rd July 2024 onward).
Section 80C ELSS Tax Deduction
Investments in Equity Linked Savings Schemes (ELSS) qualify for tax deduction up to ₹1,50,000/year under the Old Tax Regime.

Chartered Wealth Advisory & Fiduciary Standards

Rupee Cost Averaging Advantage

Systematic monthly investing automatically purchases more mutual fund units during market corrections and fewer units during bull rallies, neutralizing volatility without market-timing risk.

Section 112A Tax Harvesting

By systematically realizing up to ₹1,25,000 in equity long-term capital gains every financial year and reinvesting, investors can legally reset their cost basis tax-free.

Inflation & Real Purchasing Power

Compound returns must outpace headline inflation to build real wealth. Pure fixed deposits often yield negative real post-tax returns for individuals in 30% tax brackets.

CSNR & Associates · Chartered Accountants · ICAI FRN: 021316S