📈 Step-Up SIP + LTCG Tax Calculator

Project wealth growth with annual SIP increases and estimate net returns after Long-Term Capital Gains (LTCG) tax.

Initial Monthly SIP (₹)

Annual Step-Up (%)

Investment Duration (Years)

Expected Return Rate (% p.a.)

LTCG Tax Rate (%)

Total Amount Invested: ₹0

Gross Future Value: ₹0

Estimated LTCG Tax: ₹0

Net In-Hand Returns: ₹0

Wealth Growth Breakdown

📅 Year-by-Year Step-Up Growth Schedule

Year	Monthly SIP	Total Invested	Future Portfolio Value

Understanding Step-Up SIP and LTCG Tax

A Step-Up SIP (or Top-Up SIP) allows you to increase your monthly investment amount by a fixed percentage every year as your income grows. This dramatically accelerates wealth accumulation compared to a normal flat SIP.

LTCG Tax on Equity: Long-Term Capital Gains above ₹1.25 Lakh in a financial year are taxed at 12.5% (as per current tax regulations).

Frequently Asked Questions

1. What is the advantage of a Step-Up SIP?

Step-Up SIP aligns your investments with salary increments, helping you reach financial goals years earlier.

2. How is LTCG tax calculated on Step-Up SIP?

Tax applies only on net gains (Gross Portfolio Value minus Total Amount Invested) after subtracting the annual ₹1.25 Lakh exemption limit.

3. What step-up percentage is ideal?

An annual step-up rate of 5% to 10% is widely recommended to comfortably match average annual pay raises.

4. Can I pause or lower my Step-Up rate later?

Yes, mutual fund providers allow modifying or capping top-up instructions at any point during tenure.

5. Is LTCG tax deduction accurate in this calculator?

This calculator provides a realistic estimation based on total gains at maturity using standard tax thresholds.