The smarter way to plan
your mutual fund investments

Nivesh is a free SIP & lumpsum mutual fund calculator for Indian investors — with accurate LTCG/STCG tax, no ads, no paywalls, and no confusion.

✦ SIP & Lumpsum ✦ LTCG / STCG tax ✦ Equity · Debt · Hybrid ✦ Completely Free

Fund type

₹100₹2L
1%30%
1 yr40 yrs

Results

Total invested
—
Estimated returns
—
Corpus (pre-tax)
—
Absolute return %
—
Take-home after tax
—
—
Tax breakdown LTCG
Gross gains—
Exemption—
Taxable gains—
Tax rate—
Tax payable—
Net amount—
Show year-by-year breakdown ▾

* Returns are estimated and not guaranteed. Tax based on Indian rules (FY 2026-27). Debt fund gains taxed as income (post Apr 2023). Surcharge/cess not included. Consult a SEBI-registered advisor before investing.

Why Nivesh is different from other SIP calculators

  • Shows your real take-home amount after LTCG/STCG tax — most free calculators skip this entirely.
  • Covers Equity, Debt & Hybrid funds with the correct tax treatment for each fund type.
  • No ads, no email walls, no sign-up needed. Just accurate numbers.
  • Year-by-year corpus breakdown so you can see compounding in action.
  • Built on actual Indian tax laws: ₹1.25L LTCG exemption, post-April 2023 debt fund rules.
  • Fully responsive — works on mobile, tablet, and desktop without any app download.

About Nivesh — a community investment platform

🇮🇳 Built for Indian investors

Nivesh (निवेश) means "investment" in Hindi. It is a community platform where every Indian — not just those who can afford advisors — can plan their financial future confidently.

🔓 Always free, no exceptions

We don't charge a single rupee. No premium tiers, no feature locks. Every tool on Nivesh is free today, tomorrow, and always — because financial planning should be a right, not a privilege.

Frequently asked questions

What is a SIP calculator and how does Nivesh calculate returns?
A SIP calculator estimates the future value of your monthly mutual fund investments. Nivesh uses the standard SIP future value formula (monthly compounding) and also deducts applicable LTCG or STCG tax to show your real take-home amount — something most free calculators don't do.
What is LTCG tax on mutual funds in India (2026)?
Long-Term Capital Gains (LTCG) on equity and hybrid mutual funds held for more than 1 year is taxed at 12.5% on gains above ₹1.25 lakh per financial year. Short-term gains (held less than 1 year) are taxed at 20%. Debt fund gains are taxed as per your income tax slab (post April 2023).
How is lumpsum return calculated?
Lumpsum return uses compound interest: Final Amount = P × (1 + r)^n, where P is your principal, r is the annual return rate, and n is the number of years. Nivesh applies this formula and then calculates post-tax take-home based on your holding period.
Is Nivesh completely free? Are there any hidden charges?
Yes — Nivesh is 100% free with no hidden charges, no ads, no email sign-up, and no premium tier. It is maintained by a small team and supported by voluntary community contributions.
Which is better — SIP or lumpsum investment?
SIP is generally better for salaried investors as it averages out market volatility (rupee cost averaging). Lumpsum is better when markets are at a correction and you have a large idle sum. Use both calculators on Nivesh to compare your specific scenario.

Support Nivesh

Keep Nivesh free for everyone 🙏

Nivesh is free — and always will be. But hosting, development, and maintenance have a real cost. If this tool helped you plan your investments, consider buying us a chai ☕

Or pay directly via UPI ID
rgupta.jan@axl
☕ ₹49 🍕 ₹99 🎉 ₹199 💛 ₹499

No pressure at all. Your trust means more than your money.