Planning Tools
Upload your CAS or Altivest Wealth transaction statement once, and your real numbers — current corpus, ongoing SIPs, portfolio return, tax position — carry into every calculator below. Everything is processed in your browser; your statement is never uploaded anywhere.
SIP Calculator
Estimate the future value of a monthly SIP at an assumed annual return.
Illustrative only, assuming a constant annual return - actual mutual fund returns vary and are never guaranteed. Not investment advice.
Goal Planning
Work out the monthly SIP needed to reach a target corpus by a future date.
Automatically using RBI's inflation target of 4%/year (its flexible tolerance band is 2%–6%) to convert to future value.
Illustrative only, assuming a constant annual return - actual mutual fund returns vary and are never guaranteed. Not investment advice.
Lumpsum vs SIP
Compare investing a lumpsum today against spreading the same total via SIP.
SIP side spreads the same total amount evenly across the period as a monthly SIP, for a fair comparison.
Illustrative only, assuming a constant annual return applied identically to both - real markets don't move in a straight line, and the better strategy depends on the actual path returns take, not just the endpoint. Not investment advice.
Step-up SIP Calculator
See how increasing your SIP amount every year accelerates the corpus versus a flat SIP.
Illustrative only, assuming a constant annual return - actual mutual fund returns vary and are never guaranteed. Not investment advice.
Withdrawal Planning
See how long a corpus lasts once you start withdrawing from it every month, what it would take for the withdrawals to never run out, and roughly how much tax they'd cost.
On top of the corpus above - leave at 0 if you're not adding anything more before withdrawals begin.
Defaults to RBI's 4%/year inflation target so spending power stays constant - raise it to test withdrawing more aggressively over time.
Only used to show the age withdrawals start at - doesn't change the math below.
Illustrative only, assuming a constant annual return and inflation rate - actual mutual fund returns vary and are never guaranteed. Tax is a rough estimate (see note above the figure) - actual tax depends on which specific units get sold. Not investment or tax advice.
Tax Planning
Capital gains tax breakdown of your uploaded holdings.
No statement uploaded yet - the tax report is built from the same upload as the rest of this tool.
If you have business or professional income (not just salary), switching between regimes isn't free every year like it is for salaried taxpayers - it's a one-time option via Form 10-IEA. Pick whichever regime you've actually filed under.
Include all income sources together - salary, business, and professional income are all taxed through this same slab table in India, there's no separate rate for business/professional income. If you have business or professional income, this should be your income after your own business deductions, not turnover.
This is a planning illustration based on rules in effect for FY 2025-26 (post-Budget 2024 capital gains changes) as understood at the time this tool was built - equity-oriented funds: STCG 20% (held under 12 months), LTCG 12.5% on gains above ₹1.25 lakh/year (held 12 months or more, no indexation); debt funds (units bought on/after 1-Apr-2023): taxed at your income tax slab rate regardless of holding period. Tax rules change - always confirm current rates and your own applicable slab with a qualified CA before filing. This is not tax, legal, or investment advice, and Altivest Wealth is not a tax advisor.