Understanding the Simulation
Markets don't move in a straight line. Our Volatility Simulator introduces "crash years" into your projection to show you a more realistic outcome. This helps you mentally prepare for periods where your portfolio might look red.
New Tax Rules (2025-26 Budget)
Long Term Capital Gains (LTCG) on mutual funds are now taxed at 12.5% for gains exceeding ₹1.25 Lakh in a financial year. Toggle the tax switch above to see your "in-hand" corpus.
Why Step-Up Your SIP?
Increasing your SIP amount by just 10% every year (in line with your salary hike) can double your wealth compared to a fixed SIP. Use the Step-Up slider to visualize this massive difference.
Frequently Asked Questions
Does this calculator account for expense ratio?
The "Expected Return" you input should be the post-expense return. For example, if a fund generates 14% and has a 1% expense ratio, enter 13%.
How accurate is the volatility simulation?
It acts as a stress test. The "Moderate" profile simulates a standard 15% correction, while "High" simulates two major market events. Real markets are unpredictable, but this prepares you for the dips.
Disclaimer
Educational Use Only: This tool is meant for estimation purposes. Actual returns may vary based on market conditions and expense ratios.
We are not a SEBI-registered advisory. Please consult your CA or financial advisor before investing.