How is tax calculated for SIP redemptions?

Tax is calculated using the FIFO (First-In-First-Out) method. The units you bought first are considered sold first. This determines the holding period and whether STCG or LTCG applies to each unit.

How much LTCG is tax-free in 2026?

In FY 2026-27, long-term capital gains on equity mutual funds are tax-free up to ₹1.25 Lakh per fiscal year across all your equity investments.

Does SIP in debt funds have the same tax?

No. SIPs in debt funds are taxed at your income tax slab rate regardless of the holding period, following the changes introduced in April 2023.

SIP Tax Impact CalculatorFY 2026-27

Calculate the post-tax maturity value of your SIP by modeling FIFO redemptions and the latest LTCG/STCG rules.

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Quick Summary: SIP Tax Impact Calculator

A SIP Tax Impact Calculator uses First-In-First-Out (FIFO) logic to estimate your tax bill. In FY 2026-27, each SIP installment is a separate investment. Units held for >1 year attract 12.5% LTCG (above ₹1.25L limit), while units held for ≤1 year attract 20% STCG. This tool provides your true 'in-hand' corpus after all taxes.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.