The "Reality Check" SIP Calculator

Deducting inflation, fund fees, and LTCG taxes to reveal your true future purchasing power.

Investment Parameters

Monthly Investment (₹)

Expected Annual CAGR (%)

Time Period (Years)

Fund Expense Ratio / TER (%)

Expected Annual Inflation (%)

LTCG Tax Rate (%) *Assumes current ₹1.25L annual profit exemption.

Total Out-of-Pocket Cost

₹0

Investment Window

0 Months

Nominal View

Uses basic formula (Rate/12) with zero real-world friction metrics.

Estimated Final Wealth ₹0

Pure Investment Gains ₹0

Looks high because it ignores the silent decay of purchasing power over time.

True Purchasing Power

Converts CAGR, strips expense ratios, pays taxes, and adjusts for inflation.

Actual Value (In Today's Terms) ₹0

Estimated Net Tax Owed ₹0

Reality: This is what your final portfolio will actually buy you in the future economy.

Calculation Step	Portfolio Value
1. Gross Market Output (Straight Monthly Nominal Formula)	₹0
2. Using Effective Monthly CAGR Rate (Annuity Due)	₹0
3. Deducting Management Fees (Fund Expense Ratio)	₹0
4. Settlement After 12.5% Indian LTCG Tax Deducted	₹0
5. Final Value Adjusted for Inflation (Real Buying Power)	₹0