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Privacy Policy

Last Updated: March 2026

1. Information We Collect

We believe in absolute privacy. The SIP & SWP Calculator functions entirely client-side (in your browser) or via stateless server calculations. We do not ask for, collect, store, or transmit your personal or financial data.

The numbers you enter into the calculator remain on your device.

2. Cookies and Tracking

We do not use tracking cookies, analytics scripts, or advertising trackers that monitor your behavior across the internet.

3. PDF Generation

If you choose to generate a PDF report, the numerical inputs are sent securely to our server strictly for the purpose of generating the PDF document. This data is processed in memory and immediately discarded. It is never saved to a database or logged.

4. Third-Party Links

Our website may contain links to external educational resources (such as AMFI or SEBI). Once you leave our site, our privacy policy no longer applies. We encourage you to read the privacy statements of any other site that collects personally identifiable information.

5. Contact Us

If you have any questions about this Privacy Policy, please contact us at help@sipswpcalculator.com.

Universal Financial Command Palette

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Budget 2024 LTCG Tax Waterfall

Section 112A Equity Mutual Fund Tax Arithmetic

Effective Net Retention
You Keep 96.4% of Wealth
Effective Tax: 3.6%
1. Total Compounded Capital Gains
Gross profit generated by investment
₹ --
2. Less: Statutory Annual Exemption
Section 112A tax-free threshold
- ₹1,25,000
3. Net Taxable Capital Gains
Gains exceeding the ₹1.25L exemption
₹ --
4. Statutory Tax Payable @ 12.5%
Budget 2024 LTCG equity mutual fund rate
- ₹ --
5. Net Take-Home Compounded Wealth
Final post-tax maturity corpus in your bank
₹ --
💡 Annual Tax-Harvesting Alpha Save ₹ --

By systematically booking and reinvesting up to ₹1,25,000 in capital gains each financial year, your cost basis resets tax-free, cutting cumulative statutory tax to ₹ -- at maturity.

Finance (No. 2) Act, 2024 Reference
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Investor Goal Commitment Certificate

Anchor your compounding discipline with a certified goal pledge

🛡️ SOVEREIGN DISCIPLINE CONTRACT
I, , hereby pledge to systematically invest:
₹25,000 / month
Every month without emotional interruption
Target Horizon
15 Years
Target Corpus
₹1.26 Crore
"Market volatility is the fee for exceptional long-term wealth compounding."
📱

Scan on Mobile

Instant zero-loss proposal & scenario sync

Zero-Loss Bi-Directional State Encoded

Scan with your smartphone camera to open and manipulate this financial plan on mobile with zero loss of parameters.

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Statutory Modeling & Benchmark Standards

AMFI & SEBI Regulatory Educational Guidelines

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100% Client-Side Sandbox Guarantee All calculations, cashflow projections, and tax estimations run locally in your web browser. No personal income, SIP amount, or corpus data is ever sent, stored, or tracked on any external server.

Indian Asset Class Historical Returns (15Y CAGR Reference)

Asset Class Benchmark Index Historical CAGR
Large Cap Equities NIFTY 50 TRI ~12.0% – 13.5%
Mid & Small Cap NIFTY Midcap 150 ~14.5% – 16.0%
Hybrid / Balanced CRISIL Hybrid 50+50 ~10.0% – 11.5%
Conservative Debt Fixed Deposit / Liquid ~6.5% – 7.2%

Statutory Disclaimer: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Historical performance benchmarks do not guarantee future compounding returns.

Calculations provided by this tool are mathematical simulations for educational and retirement planning awareness only.