SIP/DCA Calculator with Inflation
Plan Your Investments Like a Pro!
Are you looking for a Systematic Investment Plan (SIP) Calculator that works for both Indian and US investors? Our SIP/Dollar-Cost Averaging (DCA) Calculator is designed to help you plan your investments, factoring in inflation, taxation, top-up SIPs, and withdrawal strategies to maximize your wealth.
Why Choose Our SIP/DCA Calculator?
- Supports INR (₹) & USD ($) – Choose your country and get accurate calculations.
- Inflation-Adjusted Returns – See the real purchasing power of your future investment.
- Tax Estimation – Calculate post-tax SIP returns (for both India & the US).
- Top-Up SIP Option – Simulate annual investment increases for better compounding.
- Withdrawal & Breakeven Analysis – Know how long your wealth will last post-retirement.
- Scenario Comparison – Compare different SIP strategies before investing.
- Lump Sum Investment Option – Combine SIP & lump sum for better financial planning.
- Downloadable Report (PDF) – Get a professional report of your investment projections.
How to Use the SIP Calculator?
- Select your country (India or USA).
- Enter your monthly investment amount (SIP/DCA contribution).
- Set the expected annual return (%) (Mutual funds, ETFs, etc.).
- Choose your investment duration (years).
- Adjust the expected inflation rate (%) to calculate real returns.
- Enter tax on gains (%) (Capital Gains Tax for India & USA).
- Add a lump sum investment (optional).
- Plan withdrawals to see how long your savings last post-retirement.
- Click "Calculate" to get detailed results with charts.
SIP Formula for Future Value Calculation
The SIP future value is calculated using:
Where:
- P = Monthly SIP investment
- r = Monthly return rate (Annual return / 12 / 100)
- n = Number of months
Inflation-Adjusted Future Value:
Investment Returns & Taxation (India vs USA)
India:
- ELSS funds qualify for tax exemption under Section 80C (₹1.5 lakh limit).
- LTCG tax (10% on gains above ₹1 lakh).
- STCG tax (15% on gains within 1 year).
United States:
- 401(k) & IRA SIP Investments offer tax-deferred growth.
- Short-term capital gains taxed at standard income tax rates.
- Long-term capital gains (0%, 15%, or 20% based on taxable income).
Who Should Use This SIP/DCA Calculator?
Indian Investors planning SIPs in mutual funds & ELSS.
US Investors following Dollar-Cost Averaging (DCA) in ETFs, 401(k), and IRAs.
Beginners & Experts looking for in-depth SIP planning tools.
Retirement Planners seeking withdrawal strategy & breakeven analysis.
FAQs About SIP/DCA Investments
What is the best SIP strategy for long-term wealth?
Investing in a diversified portfolio of equity mutual funds (India) or index funds (USA) with a minimum 10+ year horizon yields the best results.
How does inflation affect my SIP returns?
Inflation reduces the real value of money. Our inflation-adjusted SIP calculator helps you understand the actual purchasing power of your investments in the future.
Can I change my SIP contribution every year?
Yes! Use our Top-Up SIP feature to simulate annual increases in investment.
How do I withdraw my SIP investments post-retirement?
Our Withdrawal & Breakeven Analysis helps you plan sustainable withdrawals so your money lasts longer.
Is SIP better than lump sum investment?
SIP reduces market volatility by spreading out investments, whereas lump sum investing benefits more in a rising market. Our Scenario Comparison Tool helps you decide.
Start Planning Your SIP Investments Today!
Use our SIP/DCA Calculator with Inflation & Tax Estimation to create a foolproof financial plan. Whether you're investing in mutual funds in India or ETFs in the USA, this tool gives precise projections for a secure future.
Calculate Now & Secure Your Future!