SIP projection future nahi jaanti. Woh ek assumption ka hisaab hai.
Monthly investment kitna badh sakta hai, aur inflation ke baad uski value.
Sab kuch katne ke baad
10 saal mein ₹12,00,000.00 daalne par woh nominal ₹23,23,390.76 banta hai. Tax aur mehngai ke baad aaj ke paise mein yeh ₹12,24,894.76 ke barabar hai.
Tax ka hisaab har instalment ke gain ko long-term maanta hai. 12 mahine ya kam rakhe units par short-term tax lagega.
Bade figure se aaj ke paise tak
- 12% saalana par maturity value · aap ₹12,00,000.00 daalte ho₹23,23,390.76
- Jitna gain chhoot mein aa gaya · is par tax nahi₹1,25,000.00
- Tax ghata: ₹9,98,390.76 par 12.5%, aur uske upar 4% cess− ₹1,29,790.80
- Tax ke baad, inflation se pehle₹21,93,599.96
- 10 saal ke inflation se bhaag diya · ise aaj ke bhaav mein dikhana÷ 1.7908
- Tax ke baad, aaj ke paison mein kitna bacha₹12,24,894.76
Aapke daale return, tax aur inflation ke anumaan par, bade figure ka 52.72% hi dono kaaton ke baad bachta hai. Yeh sab anumaan aapke apne hain — yeh page na koi rate deta hai na kuch forecast karta hai.
Instalments are treated as debited at the start of each month, so each one earns that month's growth — this is the (1 + i) factor at the end of the formula.
Return ek seedha saalana figure hai jo har saal lagta hai. Market-linked investment har saal wahi number nahi deta. Isliye yeh seedhi line ka assumption hai, kisi fund ke chalne ka bayaan nahi.
Tax aise lagaya gaya hai jaise poora corpus 1 financial year mein redeem hua, 1 saal ki exemption ke saath. Redemption se 12 mahine ke andar kharide units short-term hote. Yeh figure unhe alag nahi karta.
Mahine ka rate i = 12 ÷ 1200 = 0.010000 · kul 120 instalments · monthly rate = saalana ÷ 12 (nominal convention)
Kitna aapka paisa hai, aur kitna growth?
Har bar ka neeche ka hissa aapka jama kiya paisa hai, aur upar ka hissa aapke rate par growth hai.
- Jama kiya
- Growth
Rate aapka apna andaza hai.
Saal 10 · Jama ₹12,00,000.00 · Growth ₹11,23,390.76 · Value ₹23,23,390.76 · Aaj ke paise mein ₹12,97,369.27
Saal dar saal
| Saal | Tab tak jitna daala | Kitna bana | Isme se growth | Aaj ke paison mein value |
|---|---|---|---|---|
| 1 | ₹1,20,000.00 | ₹1,28,093.28 | ₹8,093.28 | ₹1,20,842.72 |
| 2 | ₹2,40,000.00 | ₹2,72,432.00 | ₹32,432.00 | ₹2,42,463.51 |
| 3 | ₹3,60,000.00 | ₹4,35,076.47 | ₹75,076.47 | ₹3,65,298.60 |
| 4 | ₹4,80,000.00 | ₹6,18,348.34 | ₹1,38,348.34 | ₹4,89,789.80 |
| 5 | ₹6,00,000.00 | ₹8,24,863.67 | ₹2,24,863.67 | ₹6,16,386.12 |
| 6 | ₹7,20,000.00 | ₹10,57,570.31 | ₹3,37,570.31 | ₹7,45,545.33 |
| 7 | ₹8,40,000.00 | ₹13,19,789.97 | ₹4,79,789.97 | ₹8,77,735.71 |
| 8 | ₹9,60,000.00 | ₹16,15,265.65 | ₹6,55,265.65 | ₹10,13,437.65 |
| 9 | ₹10,80,000.00 | ₹19,48,215.05 | ₹8,68,215.05 | ₹11,53,145.50 |
| 10 | ₹12,00,000.00 | ₹23,23,390.76 | ₹11,23,390.76 | ₹12,97,369.27 |
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.
Paisa wapas nikalna (SWP)
Wahi hisaab ulta: ek corpus jo har mahine badhta hai aur usme se ek tay rakam nikalti rehti hai. Har mahine balance aapke daale return par badhta hai aur uske baad nikasi ghata di jaati hai.
Corpus kitne samay chalta hai
- Shuruaati corpus₹1,00,00,000.00
- Us par ek mahine ki growth · isse zyada nikaalne par balance girta hai₹66,666.67
- Kul kitna nikala₹1,65,34,128.75
- Aakhir mein balance · khatam ho gaya₹0.00
- Itne samay baad khatam · 166 mahine ki nikasi13.8 saal
Har mahine balance aapke chune return par badhta hai. Phir nikasi katti hai. Market har mahine alag return deta hai. Unka kram result badalta hai. Yeh hisaab har mahine wahi return rakhta hai.
In figures par rakam 166 nikasi ke baad khatam hoti hai. Aakhri nikasi chhoti ho sakti hai.
Har file mein har rate ka source aur check date likhi hai. CSV 2 files mein aata hai, figures aur unke sources.
Monthly amount, duration aur ek maana hua return daal kar jo final value milti hai, woh ek scenario hai — kisi product ka vaada nahi. Regular contribution ek tareeka hai paisa lagane ka, koi fixed-return product nahi. Aur 2 calculators wahi inputs par alag jawab de sakte hain, kyunki unki timing aur rate ki conventions alag hoti hain.
Displayed gain promised earning nahi hai. Negative returns bhi possible hain.
Mahine ke shuru mein contribution ya aakhir mein — isse hi jawab badal jaata hai.
Saalana rate ko mahine mein badalne ke 2 tareeke hain. Dono galat nahi, lekin ek jaise bhi nahi.
Smooth curve market ka raasta nahi hai.
Yeh calculator kya karta hai aur kya nahi
Yeh calculator kya karta hai
- Ek maani hui return rate par fixed monthly contribution ka arithmetic dikhata hai — monthly SIP, har saal badhne wali step-up SIP, ya ek baar ka investment.
- Kul kitna paisa daala aur kul kitna bana — dono alag dikhata hai.
- Maturity figure mein se gain par tax (aapke daale hue rate, exemption aur cess par) ghata kar, aur aapki maani hui inflation se aaj ke paise mein badal kar dikhata hai. Headline number wahi hai.
- Rate ko ek maanyata ki tarah likhta hai, prediction ki tarah nahi.
Yeh kya nahi karta
- Yeh koi return promise nahi karta. Actual returns har saal alag hote hain.
- Kaunsa fund chunna hai yeh nahi batata.
- Exit load, expense ratio aur fund ki apni fees isme nahi hain.
Method aur assumptions dekho
Method
- Har monthly payment plan khatam hone tak monthly rate par badhta hai.
- Default mein monthly rate = saalana return ÷ 12.
- Default mein har payment mahine ki shuruaat mein hota hai.
- Gain par tax ghata kar total aaj ke paise mein dikhaya jaata hai.
Yeh kya maan kar chalta hai
- Aapka type kiya return har saal ek jaisa maana gaya hai. Yeh forecast nahi hai.
- Gain par tax published equity capital gains rates se lagta hai.
- Aaj ke paise ka figure aapke type kiye inflation rate se hai.
Sources, effective dates aur exclusions
- Calculation ki date
- aaj
Tax rates aaj lagu rates se shuru hote hain. Aap unhe form mein badal sakte ho.
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.
- Exit load aur fund ka expense ratio.
Isse kya badal sakta hai?
- Jo return aap maante ho. Woh aapka hai, calculator ka nahi. Poori projection usi par arithmetic hai.
- Instalment kab debit hoti hai. Mahine ke shuru mein har instalment ko ek extra mahine ki growth milti hai, aakhir mein nahi. Sirf isi par 2 calculators alag jawab dete hain.
- Tax ki assumptions. Rate, annual exemption aur cess aise lagte hain jaise poora gain ek saal mein realise hua ho — ek batayi hui simplification.
- Jo inflation aap maante ho. Woh tax ke baad wale figure ko aaj ke paise mein badalti hai, aur default ek policy target hai, forecast nahi.
TAX AUR MEHNGAI
Headline number tax ke baad aur aaj ke paise mein kyun hai
Zyadatar calculators maturity value par ruk jaate hain. Woh number aapko kharch karne ko nahi milta — pehle gain par tax lagta hai, aur phir woh rupaye utna nahi khareed paate jitna aaj ke rupaye khareedte hain. Isliye yahan headline woh figure hai jo tax ke baad bachta hai, aaj ke paise mein.
Tax ka hissa ek simplification hai, aur page yeh saaf kehta hai: poore gain par ek rate lagta hai, jaise saara paisa ek saath nikaala gaya ho. Asal mein aakhri mahinon ki instalments short-term hoti hain aur unka rate alag hota hai. Tax ka rate zero kar do toh bina tax wala figure dikhta hai.
Inflation aapki apni assumption hai — calculator koi rate nahi chunta. Woh sirf tax ke baad wale amount ko aapki maani hui inflation se aaj ke paise mein badalta hai.
PEHLE YEH
Contribution aur growth alag dekho
5,000 har mahine, 10 saal tak — total contribution 6 lakh hua. Agar return zero maan lein aur koi cost na ho, toh final value bhi 6 lakh hi hogi.
Isliye jab bhi projection dekho, pehle poochho: isme se kitna maine daala aur kitna maani hui growth hai. Woh doosra hissa hi assumption hai.
TIMING
Mahine ke shuru mein ya aakhir mein
Agar model maanta hai ki paisa mahine ke shuru mein jaata hai, toh har payment ko ek extra compounding period mil jaata hai. Agar aakhir mein, toh nahi milta.
Wahi rate, wahi duration, aur phir bhi 2 alag final numbers — bina kisi ke galat hue. Isliye 2 calculators compare karte waqt pehle unki timing convention milaiye.
RATE
Saalana rate ko mahine mein badalna
Ek tareeka hai saalana rate ko 12 se baant dena — yahi convention zyadatar published calculators use karte hain, aur is site ka calculator bhi wahi karta hai. Doosra tareeka hai 12th root lena, jo effective annual rate ke hisaab se zyada theek hai.
Dono defensible hain. Lekin unhe chupchaap ek doosre ki jagah rakh dena galat jawab deta hai, aur yeh farak aksar 2 tools ke beech ke antar ki sabse badi wajah hota hai.
SEEDHI LINE
Smooth curve ka matlab
Constant maani hui growth ek saaf curve banati hai. Actual returns aise nahi chalte. Sequence, fees, taxes, beech mein rukhi contributions aur withdrawal ka timing — sab actual outcome badal sakte hain.
Isliye lower, central aur higher assumptions chala kar dekhna zyada useful hai. Aur central ka matlab expected ya guaranteed nahi hota — woh bas beech wala scenario hai.
Yeh figure aksar kaise galat padha jaata hai
- Nominal maturity value ko woh samajh lena jo paisa kharid payega. Mehngai, gain par tax aur return conversion ka tareeka — saare 3 after-everything figure ko hilaate hain, aur padhne laayak wahi hai.
- Maan lena ki step-up return ki tarah compound hota hai. Step-up saal mein ek baar instalment ko aapke set percentage se badhaata hai. Yeh andar jaane wali rakam ka badlav hai, rate ka nahi.
- Projected return ko vaada samajh lena. Schedule aapka daala rate har mahine lagata hai. Actual fund ke return asamaan aate hain, aur unke aane ka kram nateeja badal deta hai.
ISKE BAAD KYA
SAWAAL JAWAB
Aksar poochhe jaane wale sawaal
SIP par jo rate fit hota hai woh XIRR hai
SIP dated payments ki series hai, isliye us par jo rate fit hota hai woh CAGR nahi, XIRR hai. CAGR aur XIRR calculator dono nikalta hai aur batata hai kaun sa kahan lagta hai.