INCOME TAX
Investment Growth Planner
Explore SIP, lump sum and annual step-up investing with live projections.
Browser-only calculation: your inputs stay in this browser. Educational estimates; verify eligibility and current official rules before acting.
Full tax computation
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Detailed calculation breakdown
Explore the projection schedule
Illustrative values based on the assumptions above.
UNDERSTAND THE CALCULATION
How to use Investment Growth Planner
Explore SIP, lump sum and annual step-up investing with live projections.
Inputs and definitions
Choose SIP, lump sum or annual step-up SIP; enter upfront and monthly amounts, investment years, effective annual return, inflation and monthly timing.
Method and formula
Monthly growth is (1 + effective annual return)^(1/12) − 1. Contributions in step-up mode increase after each completed 12 months. Charts use the same schedule as the displayed result.
Illustrative example
At a zero return, ₹10,000 per month for 12 months becomes ₹1,20,000. A 10% annual step-up makes the monthly contribution ₹11,000 from month 13.
COMMON QUESTIONS
Before you use the result.
How are SIP, lump sum and step-up SIP different?
A lump sum is invested upfront. SIP adds regular monthly contributions. Annual step-up SIP increases the monthly contribution after each completed 12 months by the percentage entered. The projection can include an upfront investment alongside monthly contributions.
Why does contribution timing change the answer?
A contribution at the beginning of the month has one more month of modeled growth than one at the end. The displayed assumption and chart use the same timing and effective annual return converted to a monthly rate.
Does projected growth mean a promised return?
No. The assumed return is a scenario, not a forecast or guarantee. Market returns vary, losses are possible and the displayed projection is before tax. Inflation-adjusted value shows modeled purchasing power, not an additional investment balance.
Read these answers with the selected period, calculation scope and official sources below.
Scope and limitations
Choose an investment approach, exact amounts, horizon and effective annual return. Compare total contributions, growth or loss and purchasing power. Returns are hypothetical, after ongoing costs and before tax.
These examples explain the method. The interactive result depends on the selected facts and period, and is not a filing or an eligibility confirmation.
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