Investing
One amount invested today, compounded once a year. You can see the gain, the same maturity in today’s rupees, tax on an equity or debt fund, and what happens if that money goes in as a 12-month SIP instead.
Finfod Research DeskUpdated 1 Nov 2026How we check
Maturity₹15,52,924
One amount, invested today
The full amount goes in today. Yearly compounding is amount × (1 + rate) ^ years.
A yearly rate you choose. It is not a fund's past return.
After 10 years
You invest ₹5,00,000. The gain is ₹10,52,924. In today's rupees the maturity is ₹9,09,129.
Maturity minus the amount you put in
After 5.5% inflation
Long-term, after the ₹1,25,000 exemption
Maturity minus tax and cess
Same money as a 12-month SIP
Spread ₹5,00,000 into 12 monthly instalments of ₹41,667 and the SIP calculator's monthly method puts the first year at a lower balance. Held to the same date, that path ends at ₹14,80,053. Investing the whole amount today ends at ₹15,52,924.
The monthly path lives on the SIP calculator. This page is the yearly lump sum.
The link keeps the numbers on this page.
Year by year
Each row is the amount compounded once a year.
| Year | Value | Gain |
|---|---|---|
| 1 | ₹5,60,000 | ₹60,000 |
| 2 | ₹6,27,200 | ₹1,27,200 |
| 3 | ₹7,02,464 | ₹2,02,464 |
| 4 | ₹7,86,760 | ₹2,86,760 |
| 5 | ₹8,81,171 | ₹3,81,171 |
| 6 | ₹9,86,911 | ₹4,86,911 |
| 7 | ₹11,05,341 | ₹6,05,341 |
| 8 | ₹12,37,982 | ₹7,37,982 |
| 9 | ₹13,86,539 | ₹8,86,539 |
| 10 | ₹15,52,924 | ₹10,52,924 |
Sources: Income-tax Act, 2025, sections 70, 72, 76, 90, 196, 197 and 198 · Finance Act, 2026 (rates, surcharge and 4% cess) · Cost Inflation Index, Income Tax Department · CBDT FAQs on capital gains from 23 July 2024
The maturity is the amount times (1 + yearly rate), raised to the number of years. A 12% year turns ₹100 into ₹112. The next year, 12% is charged on ₹112, not on the original ₹100. That is the whole formula. The rate is one you type. It is not a fund’s past return, and it does not change halfway unless you run the page again.
₹5,00,000 at 12% for 10 years grows to ₹15,52,924. The gain is ₹10,52,924. At 6% inflation the same maturity is ₹8,67,145 in today’s rupees.
As equity held for 10 years, the first ₹1,25,000 of the gain is exempt. Tax is ₹1,15,991 and cess is ₹4,640. After tax the maturity is ₹14,32,293.
The same ₹5,00,000, paid as ₹41,667 a month for 12 months and then left to grow, ends at ₹14,80,053. The lump sum is ahead because the whole amount earns a return from the first year. The SIP calculator still has a lump-sum tab. This page is the one to use for a single investment.
Equity long-term gains above ₹1,25,000 are taxed at 12.5% under Section 198. Short-term equity gains, on units held for not more than 12 months, are taxed at 20% under Section 196. Health and education cess is 4% of that tax. Surcharge is not added, because the rest of your income is unknown.
A debt fund, with the equity switch off, is taxed at the slab you pick, plus the same cess. The capital gains calculator covers indexation, house property and other assets. A monthly plan is the SIP calculator. Taking money out later is the SWP calculator. A bank deposit is the FD calculator.
This is an estimate for learning, not advice. Read the disclaimer.
This page compounds once a year: amount × (1 + rate) ^ years. The SIP calculator compounds a monthly instalment every month. The comparison on this page uses that monthly method for the first 12 instalments, then the same yearly rate after that.
Equity units held for more than 12 months are long-term. Gains above ₹1,25,000 in a year are taxed at 12.5% under Section 198, plus 4% cess. A hold of one year on this page is 12 months, so it is short-term at 20%.
Turn off Equity fund and pick your slab. The gain is taxed at that slab, plus 4% cess. There is no ₹1.25 lakh exemption on that path.
Invested amount, estimated returns and maturity for a monthly SIP, with a step-up and inflation.
Balance left from a monthly withdrawal, the year the corpus runs out, a safe monthly amount and tax on the gain.
The compound annual growth rate, or the future value that a CAGR produces.
A lump sum and optional monthly additions, compounded yearly to daily, beside the same money at simple interest.
Tax on shares, equity funds, debt funds, property and gold for one sale.
Maturity of a fixed deposit for years, months and days, with compounding or an interest payout, and tax.
A SIP and a lump sum at the same yearly rate, worked on Finfod’s SIP and CAGR calculators. When the lump sum finishes ahead, and when that answer is useless.
Capital gains tax in FY 2026-27 on equity, mutual funds, property and gold: holding periods, rates of 12.5% and 20%, and the ₹1.25 lakh line.
