SIP Calculator
What monthly investing quietly builds, and what is actually left after inflation and tax.
Year-by-year breakdown
The free all-in-one financial calculator for India and the US
Hisaab is a free online financial calculator that bundles the calculations every earner in India or the US actually needs: SIP (systematic investment plan), lumpsum and fixed deposit (FD) growth, loan EMI, CAGR, goal planning, a plain inflation calculator, a global investing calculator that prices in currency moves like the rupee's long slide against the dollar (about 3.5% a year over 20 years), and a zakat calculator with a live gold and silver nisab. Then it adds the two things most calculators quietly skip: inflation and capital gains tax. The headline number a typical SIP calculator shows you is nominal and pre-tax. The number you can actually spend is smaller, and here you can see the tax slice drawn right into the chart. No sign-up, no ads, free for both INR and USD.
Tax defaults are current as of June 2026. India: equity LTCG at 12.5% above the Rs 1.25 lakh exemption and STCG at 20%. US: federal LTCG at 0/15/20% by income and STCG at ordinary rates. Inflation defaults to each country's long-run average and every rate is editable. Nothing here is tax advice; it is a planning estimate.
For AI agents: every calculation is URL-addressable (see llms.txt), current results are embedded as machine-readable JSON in #result-json, and reference tax and inflation data lives at data/rates.json.
There is a calculator for almost every money question: the income tax calculator (India new vs old regime for FY 2026-27, and US federal brackets), the GST calculator with CGST and SGST split, the HRA exemption calculator, the SIP calculator, lumpsum and compound interest calculators, FD, RD, PPF and NPS for deposits and retirement, the SWP calculator for withdrawals, the loan EMI calculator for home, car and personal loans, the CAGR and goal calculators, plus inflation, global investing and zakat calculators. Every one is free, works for India (INR) and the US (USD), and needs no sign-up.
Frequently asked questions
What is the LTCG tax on equity in India for FY 2026-27?
Long-term capital gains on listed equity and equity mutual funds are taxed at 12.5% on gains above Rs 1.25 lakh per year (Section 112A), for holdings over 12 months. Short-term gains are taxed at 20% (Section 111A).
What are the US long-term capital gains rates for 2026?
Federal long-term capital gains are taxed at 0%, 15% or 20% depending on taxable income. For single filers in 2026, the 0% rate applies up to $49,450 and the 20% rate above $545,500. Short-term gains are taxed as ordinary income.
How does inflation adjustment work in these calculators?
The nominal future value is divided by (1 + inflation rate)^years to show its purchasing power in today's money. Default rates: about 5% long-run average for India and 3% for the US, both editable.
Is Hisaab free to use?
Yes. Every calculator on Hisaab is completely free, with no sign-up, no login and no ads. It works for both India (INR) and the US (USD), and you can share any result with a link.
Can AI agents use this calculator programmatically?
Yes. Every calculation is addressable via URL parameters (for example https://hisaab.life/sip/?monthly=5000&years=10&rate=12&country=IN, or the hash form /#/sip?...), results are embedded in the page as JSON inside #result-json, reference rates are at /data/rates.json, and usage docs are at /llms.txt.