Financial Disclaimer

MoneyMath India is an educational resource, not a personalized investment adviser. SIP calculations are hypothetical and do not predict or guarantee actual investment returns. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully and consult an appropriately qualified professional where needed.

Investment Projections

Calculator projections assume end-of-month contributions and a fixed nominal annual return divided by 12. Actual investment returns fluctuate and may differ significantly from the projections. Gross maturity values exclude taxes, fees and transaction charges.

Capital Gains Tax Estimates

The SIP calculator provides an illustrative Indian capital gains tax estimate for eligible equity mutual funds. It assumes one full redemption at the end of the selected investment period and treats individual SIP installments as separate investment lots.

The simplified calculation applies a 12.5% long-term capital gains tax rate above an assumed available annual exemption of ₹1,25,000, a 20% short-term capital gains tax rate, and 4% Health and Education Cess.

Actual tax liability may differ because of acquisition and redemption dates, other gains, exemption availability, surcharge, securities transaction tax, tax residency, applicable treaties, legislative changes and individual circumstances. The calculator does not calculate a complete personal income tax return.

MoneyMath India does not provide personalized investment, legal or tax advice. Users should independently verify applicable rules and consult qualified professionals before making financial decisions.