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.

How to use the SIP Tax Impact Calculator

  1. Input SIP Parameters

    Enter your monthly investment amount, tenure, and expected annual return.

  2. Set Redemption Timeline

    Select the date you plan to withdraw to calculate the exact holding period for each installment.

  3. Apply Exemptions

    The tool automatically factors in the annual ₹1.25 Lakh LTCG tax-free threshold.

  4. Review Tax Breakdown

    See the split between STCG, LTCG, and the total tax payable including cess.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

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.