Ek account, 3 return numbers — kaunsa sahi hai?
Investment ki saalana growth rate, tax aur inflation se pehle aur baad.
Result
₹1,00,000.00 5 saal mein ₹2,50,000.00 bana — saal ka smoothed rate 20.11%.
Sab ghatne ke baad
Headline figure se lekar jo bachta hai wahan tak
- Aakhri amount · jyaadatar calculators yahin ruk jaate hain₹2,50,000.00
- Gain par tax ghata kar · jo hold kiya hai uske published rates par₹3,250.00
- Buying power ki girawat ghata kar · aapke daale hue inflation rate par, 5 saal mein₹43,939.49
- Bacha hua, shuruaat ki date ke rupees mein₹2,02,810.51
Yeh 3 deductions jodkar theek aakhri amount ban jaate hain, kyunki calculator unhe aise hi define karta hai. Tax published rates se aata hai. Buying-power wali line aapke diye hue inflation figure ka hisaab hai. Yeh inflation ka forecast nahi hai.
Aakhri amount kahan jaata hai
- Bacha hua, shuruaat ki date ke rupees mein₹2,02,810.51
- Gain par tax le gaya₹3,250.00
- Buying power girne se gaya₹43,939.49
Yeh 3 hisse jodkar theek ₹2,50,000.00 ka aakhri figure bante hain. Tax published rates se nikala jaata hai. Buying-power wala hissa aapke daale hue inflation rate ka seedha hisaab hai.
Tax ka figure kaise banta hai
| Kaunsi line | Kis par laga | Kaunsa rate | Kitna amount |
|---|---|---|---|
| Long-term capital gains — listed equity & equity-oriented funds | ₹25,000.00 | 12.5% | ₹3,125.00 |
| Health & education cess | ₹3,125.00 | 4% | ₹125.00 |
| Kul tax | gain ka 2.17% | ₹3,250.00 |
Long-term gain ke 1,25,000 rupees s.112A (1961 Act), now s.198 (2025 Act) exemption ke andar aate hain. Yeh financial year ke saare aise gains par 1 hi limit hai. Har holding ki alag limit nahi hoti.
12 mahine se zyada rakha gaya, isliye gain long-term maana gaya.
Inflation-adjusted figure wahi paisa hai, jo shuru ki date par 1 rupaye ki kharid ke hisaab se gina gaya. Yeh daale gaye inflation rate ka hisaab hai, prices ka naap nahi.
Har file mein har rate ka source aur check date likhi hai. CSV 2 files mein aata hai, figures aur unke sources.
Link mein sirf yeh inputs hote hain. Saved inputs sirf is browser mein rehte hain, aur jab tak aap on na karein, band rehte hain.
Ek cheez badal kar dekho
Har button theek ek input badalta hai aur batata hai ki headline figure par kya asar hua. Reset use wapas kar deta hai.
Tax rates 4 September 2026 ke hisaab se · day count actual/365, wahi convention jo spreadsheet ka XIRR use karta hai.
Absolute return poore period ka total badlav batata hai, samay ka koi zikr nahi. CAGR usi ko ek steady saalana rate mein badal deta hai, aur woh tabhi imaandaar hai jab beech mein paisa aaya-gaya na ho. XIRR har contribution aur withdrawal ki apni date use karta hai. Saare 3 sahi hain — bas 3 alag sawaalon ke jawab hain.
Beech mein paisa aaya ya nikla? Toh CAGR galat tool hai.
CAGR raasta chhupa deta hai. 2 bilkul alag safar ek hi CAGR de sakte hain.
XIRR ko dono taraf ke flows chahiye, warna solution hi nahi banta.
Solver ka error zero return nahi hota. Woh jawab na milne ka signal hai.
Yeh calculator kya karta hai aur kya nahi
Yeh calculator kya karta hai
- Ek hi baar lagaye gaye paise par CAGR nikaalta hai, aur alag-alag dates par lagaye gaye paise par XIRR.
- Kaunsa jawab kis sawaal ka hai, yeh saaf likhta hai — dono ek cheez nahi hain.
- Listed equity par published rate se gain ka tax ghata kar — har payment uske apne holding period par — aur aapki maani hui inflation ke baad ka rate alag dikhata hai. Ulta hisaab (rate se amount ya years) bhi karta hai.
- Jab cash flow ka pattern XIRR ke laayak nahi hota toh jawab dene se mana kar deta hai.
Yeh kya nahi karta
- Aage kitna return milega yeh nahi batata. Yeh sirf beeta hua hisaab hai.
- Brokerage ya fund ke charges nahi ghatata — jo amounts aap daaloge wahi ginega.
- 2 investments mein se kaunsa behtar hai, yeh faisla nahi karta.
Method aur assumptions dekho
Method
- CAGR = (ending value ÷ starting value)^(1 ÷ years) − 1.
- XIRR woh ek saalana rate dhoondhta hai jis par aapke dated cash flows ka jod zero ho.
- Reverse mode wahi formula ending value, starting value ya years ke liye hal karta hai.
Yeh kya maan kar chalta hai
- Growth ek seedhe saalana rate mein smooth kiya gaya hai. Actual returns upar-neeche hote hain.
- Gain par tax published equity capital gains rates se lagta hai.
Sources, effective dates aur exclusions
- Calculation ki date
- aaj
Tax rates wahi hain jo aaj lagu hain.
Source: Income-tax Act, 1961 and Income-tax Act, 2025: ss.111A/112A (1961 Act), now ss.196/198 (2025 Act), as amended by the current Finance Act Source ka naam English mein hai.
- Rules kab se lagu
- 23 Jul 2024
- Source kab publish hua
- listed nahi
- Aakhri review
- 5 Oct 2026
Shaamil nahi
- Live market prices. Yahan har price aap khud type karte ho.
Isse kya badal sakta hai?
- Kaunsa maap cashflows par fit hota hai. Ek amount andar aur ek bahar ho toh CAGR use hota hai. Dated flows par XIRR use hota hai. Dono alag sawaal ka jawab hain.
- Dates. XIRR har amount ko sirf utne dinon ka credit deta hai jitne woh laga raha, isliye ek contribution ek mahina aage-peeche karne se rate hilta hai.
- Tax ki assumptions. Har payment apne holding period par published rates se tax hoti hai. Exemption per person per saal hai, per holding nahi.
- Flows jo ek se zyada baar direction badalte hain. Unke ek se zyada mathematical rate ho sakte hain, aur page chupchaap chunne ki jagay yeh keh deta hai.
TAX AUR INFLATION KE BAAD
3 rates: pehle, tax ke baad, aur tax aur inflation ke baad
Headline ya tax se pehle ka number hai. Uske neeche calculator 2 aur rates dikhata hai: gain par tax ghatane ke baad, aur uske baad aapki maani hui inflation ghatane ke baad. Saare 3 saath dekhne se pata chalta hai ki ending amount mein se kitna sach mein aapke paas bacha.
Tax listed equity ke published rates se lagta hai, aur har payment ko uske apne dates par dekha jaata hai — ek saal se zyada rakha hua hissa long-term, baaki short-term. Jab paisa beech mein dono taraf gaya ho aur proceeds ko payments se milaana mumkin na ho, toh calculator tax figure dene se mana kar deta hai, andaaza nahi lagata.
Inflation ka default ek policy target hai, forecast nahi. Woh box aapka hai — badal dijiye.
PEHLA
Absolute return — poora period, ek number
Shuru ki value aur aakhir ki value ka farak, shuru ki value se baant do. Yeh poore period ka total hai, ek saal ka nahi.
Isi ek baat par sabse zyada galatfehmi hoti hai. 2 saal ka total 21%, aur saalana 21% — yeh ek jaisa nahi hai.
DOOSRA
CAGR — wahi total, saalana form mein
Agar beech mein kuch aaya-gaya nahi hai, toh us total ko barabar baant kar ek steady saalana rate mein badla ja sakta hai. 2 saal mein 10,000 se 12,100 — total 21%, saalana 10%.
Lekin dhyan dijiye CAGR kya nahi dekh pata. Woh sirf 2 values se banta hai — pehli aur aakhri. Beech mein value girkar wapas aayi ho ya seedhi chadhi ho, CAGR wahi rahega. Isliye woh volatility ke baare mein kuch nahi kehta.
TEESRA
XIRR — jab paisa alag-alag dinon par jaaye
Ab ek aisa account lijiye jisme saal ke shuru mein 1,000 gaya aur saal khatam hone se theek pehle ek aur 1,000. Total 2,000 laga aur aakhir mein value 2,150 hai.
Simple percentage 7.5% kehta hai. Lekin doosra 1,000 sirf ek mahine ke liye laga tha — aur jo hisaab use poore saal ka credit deta hai woh rate ko kam bata raha hai. Har flow ko uski apni date se ginne wala tareeka lagbhag 14% kehta hai. Wahi 2 payments, 2 guna se thoda kam jawab.
SAAVDHANI
Har number kahan tootta hai
Absolute return alag lambai ke periods ke beech compare karne layak nahi rehta. CAGR tab tootta hai jab paisa beech mein aata-jaata hai, aur woh raasta chhupa deta hai. XIRR ko dono signs ke flows chahiye, aur ajeeb patterns mein ek se zyada mathematical jawab bhi ho sakte hain ya jawab converge hi na kare.
Aur saare 3 ke saath ek baat common hai: woh jo ho chuka use describe karte hain. Koi bhi forecast nahi hai.
Yeh figure aksar kaise galat padha jaata hai
- CAGR ko absolute return se compare karna. CAGR badhotari ko saalon mein baantta hai. Absolute return samay ko nazarandaz karta hai. Ek jaisa doubling 2 saal aur 10 saal mein bilkul alag annual rate hai.
- XIRR ko CAGR samajh lena. XIRR har dated cash flow ko weight deta hai. Ek deposit aur ek withdrawal par dono ka jawab ek hai, unki series par nahi.
- 2 sign change wale XIRR par solver ka note padhe bina bharosa karna. Aisi series ke ek se zyada mathematical jawab ho sakte hain. Calculator method, iterations aur residual naam se batata hai taaki jawab jaancha ja sake.
ISKE BAAD KYA
SAWAAL JAWAB
Aksar poochhe jaane wale sawaal
CAGR expresses the change between a starting value and an ending value as a single constant annual rate.
Aage padhoXIRR is an annualised rate of return.
Aage padhoWahi compounding, ab aapke khilaaf
Loan par mahine-dar-mahine kya kharch hota hai, aur ek prepayment se tenure kitni chhoti hoti hai aur kul interest kitna girta hai — EMI calculator wahi compounding ulti disha mein dikhata hai.