SIP Planner

A step-up SIP increases your monthly contribution by a fixed percentage each year — for example, a 10% annual step-up raises a ₹5,000 SIP to ₹5,500 in year two. Even a modest step-up meaningfully boosts your final corpus, because each raise compounds for all the remaining years.

Inflation does not shrink the rupee value of your corpus — it shrinks its purchasing power. TinyThink discounts your nominal corpus by your assumed inflation rate (6% by default) to show the "real" value in today's money. A ₹1 crore corpus 20 years from now buys far less than ₹1 crore today, so plan against the real figure, not the headline number.

Equity mutual fund units held for more than 12 months are long-term. Gains are taxed at 12.5%, but only on the amount above a ₹1.25 lakh exemption per financial year, and that exemption resets every year. Units sold within 12 months are short-term and taxed at 20%.

Yes. The expense ratio is deducted from your gross return every year, so TinyThink projects using your net return (gross return minus expense ratio). Even the gap between a 0.5% and a 1.5% expense ratio compounds into a large difference over 15–20 years — which is why lower-cost direct plans usually come out ahead.

There is no guaranteed rate — equity returns vary year to year. TinyThink defaults to 12% CAGR as a common long-term assumption for diversified Indian equity, and also shows conservative and optimistic scenarios (±3%) so you can plan for a range instead of a single point.