SIP Calculator: Step-Up & Tax

Stop planning with "Paper Wealth."

Most SIP calculators give you a massive maturity number that you’ll never actually see in your bank account. They ignore the two biggest wealth killers for Indian investors: Inflation and LTCG Tax.

RealWealth is the only SIP tool designed specifically for the Indian market that accounts for the latest 12.5% LTCG tax rules and real-world inflation. Don’t just calculate—see what your money is actually worth in tomorrow’s purchasing power.

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THE REALITY CHECK ENGINE
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• Post-Tax Maturity: Automatically factor in the latest LTCG tax rules (including the ₹1.25L exemption limit) to see your actual take-home corpus.
• Inflation Reality Toggle: Switch on "Inflation Adjustment" to see if your ₹1 Crore goal will buy a house in 20 years or just a luxury car.
• Power of Step-Up: Model how a simple 5-10% annual increase in your SIP can more than double your final wealth.
• Expense Ratio Modeling: See the hidden cost of mutual fund management fees over time. A 1% difference can cost you lakhs—we show you exactly how much.
• Instant Recalculation: No "Submit" buttons. Get real-time results as you adjust sliders for interest, duration, and tax.

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BUILD INVESTING DISCIPLINE
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• The Discipline Streak: Investing is a muscle. Use our gamified streak system to ensure you never miss a monthly contribution.
• Investment Logger: Manually log your actual investments with notes and timestamps to track your journey.
• Compare Scenarios: Save and compare "Conservative" vs. "Aggressive" strategies side-by-side.
• Privacy First: Your net worth is your business. 100% of your data is stored locally on your device. No accounts, no cloud, no data harvesting.

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PRO FEATURES (ONE-TIME UPGRADE)
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• Unlimited Scenarios: Store as many financial projections as you need.
• Biometric Security: Keep your financial data private with Fingerprint or Face ID.
• Ad-Free Experience: Focus on your future without distractions.

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PERFECT FOR
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• Salaried individuals planning for retirement or major life goals.
• Tax-conscious investors who want to understand the impact of LTCG.
• Serious investors who know that "Step-Up" is the secret to true wealth.
• First-time investors building a consistent monthly habit.

Modern Design: Built with Jetpack Compose and Material Design 3 for a fluid, premium, and native Android experience. Supports both English and Hindi.

DISCLAIMER: This app is for educational and financial planning purposes only. It does not constitute investment advice. Consult a SEBI-registered financial advisor before making investment decisions.