Inputs
For equity mutual funds and shares, resident individuals, tax year 2026-27.
Filled in for youInflation 6%, no FD comparison unless you add one
Verdict
₹5.00 lakh leaves you about ₹12.10 lakh after 10 years
It grows to ₹12.97 lakh, and selling it all costs ₹87,343 in tax. You put in ₹5.00 lakh. What you keep is worth about ₹6.75 lakh in today's rupees.
Example figures: ₹5 lakh for 10 years. Use your own.
- You put in₹5.00 lakh
- You keep after tax₹12.10 lakh
After ₹87,343 capital-gains tax
Equity returns are not guaranteed. A fund can fall in value, and can stay below what you put in for years. The return used here is an assumption, not a forecast; try lower ones to see how the answer changes.
How equity gains are taxed
- Held 12 months or less: short-term, taxed at 20% of the gain.
- Held longer: long-term, taxed at 12.5% of the gains above ₹1,25,000 in a year.
- Plus 4% cess on the tax. PPF interest is tax-free; FD and RD interest is taxed every year at your slab rate.
- The amounts above already have this tax taken off.
Returns compound yearly: 12% a year is 12% a year, about 0.95% a month. Calculators that use 1% a month show slightly more.
Saved scenarios
At other returns
What you would keep after tax if the fund did worse or better.
Not modelled: weigh these yourself
Show the workingEvery step of the sum, with the numbers above.
Show the chart and year-by-year tableHow the fund grows against what you put in, year by year.
| Year | Put in so far | Value at year end |
|---|---|---|
| 1 | ₹5.00 lakh | ₹5.50 lakh |
| 2 | ₹5.00 lakh | ₹6.05 lakh |
| 3 | ₹5.00 lakh | ₹6.66 lakh |
| 4 | ₹5.00 lakh | ₹7.32 lakh |
| 5 | ₹5.00 lakh | ₹8.05 lakh |
| 6 | ₹5.00 lakh | ₹8.86 lakh |
| 7 | ₹5.00 lakh | ₹9.74 lakh |
| 8 | ₹5.00 lakh | ₹10.72 lakh |
| 9 | ₹5.00 lakh | ₹11.79 lakh |
| 10 | ₹5.00 lakh | ₹12.97 lakh |
Values before tax. Tax is due only when you sell.
Show every monthThe full month-by-month table, with a CSV download.
How this works
The whole amount grows at the return you enter. When you sell, the gain is taxed as long-term above the yearly exemption if you held it more than 12 months, or as short-term if not. What you keep is the value less that tax, also shown in today's rupees.
Assumptions and sources
| Assumption | Value | Source | As of |
|---|---|---|---|
| Capital-gains tax on equity, short / long term | 20% / 12.5% | PIB, 'Union Budget 2024-25: Key Tax Reforms and Relief Measures' (July 2024): long-term gains on all financial and non-financial assets 12.5% without indexation; exemption on equity gains raised to ₹1.25 lakh a year from FY 2024-25; short-term gains on specified financial assets 20%. ₹1,25,000 exemption also in CBDT ITR-1 validation rules AY 2026-27, rule 217. Unchanged for tax year 2026-27 (PIB New India Samachar, February 2026, p. 25). Holding periods (listed securities one year, all other assets two years): CBDT FAQs on the new capital-gains regime, PIB release PRID 2036604 (July 2024); units held 12 months or less are treated as short-term. | 2026-10-21 |
| Yearly exemption on equity gains | ₹1,25,000 | PIB, 'Union Budget 2024-25: Key Tax Reforms and Relief Measures' (July 2024): long-term gains on all financial and non-financial assets 12.5% without indexation; exemption on equity gains raised to ₹1.25 lakh a year from FY 2024-25; short-term gains on specified financial assets 20%. ₹1,25,000 exemption also in CBDT ITR-1 validation rules AY 2026-27, rule 217. Unchanged for tax year 2026-27 (PIB New India Samachar, February 2026, p. 25). Holding periods (listed securities one year, all other assets two years): CBDT FAQs on the new capital-gains regime, PIB release PRID 2036604 (July 2024); units held 12 months or less are treated as short-term. | 2026-10-21 |
| Fund return before tax (scenarios) | 7% / 10% / 12% | CapitalVerdict default assumption from project spec; user-editable, not a forecast | 2026-10-19 |
| Inflation a year | 7% / 6% / 5% | CapitalVerdict default assumption from project spec; user-editable, not a forecast | 2026-10-19 |
Questions
Lumpsum or SIP: which is better?
If returns are positive on average, money invested earlier has longer to grow, so a lump sum tends to end higher. A SIP spreads the risk of investing just before a fall. Many people with a lump sum move it in over a few months to split the difference.
How is the gain taxed?
Held more than 12 months, the gain is long-term: the first ₹1.25 lakh in a year is tax-free and the rest is taxed at 12.5%. Held 12 months or less, it is short-term and taxed at 20%. Add 4% cess.
Why compare with an FD?
An FD's interest is taxed every year at your slab rate, while a fund's gain is taxed once, when you sell. Comparing what each leaves after tax shows the real gap. Leave the FD rate empty to skip it.