Clear SIP: The Real Returns Calculator
Standard SIP calculators sell you an illusion. They show you massive numbers by completely ignoring the silent wealth killers: inflation, hidden charges, and taxes. No other website shows you this. Clear SIP strips away the fluff to give you the unvarnished truth. We keep it real.
1. The Engine
2. Hidden Charges
3. Inflation
4. Taxation
₹84,76,301
Calculated after deducting all hidden charges, inflation, and taxes—the true picture conventional tools hide.
Gross Nominal
₹1,60,19,292
Total Invested
₹95,62,455
Wealth Trajectory
Wealth Friction Breakdown
| Total Capital Invested | ₹95,62,455 |
| Gross Nominal Corpus | ₹1,60,19,292 |
| Wealth Lost to Fees | -₹80,257 |
| Wealth Lost to Taxes | -₹8,39,368 |
| Wealth Lost to Inflation | -₹67,03,463 |
| Final Real Value | ₹84,76,301 |
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The Illusion of Conventional Calculators
Most SIP calculators are marketing tools designed to make you feel wealthy. They compound your money at a fixed rate and show you a massive number at the end of 20 years. But that number is an illusion. It ignores the fact that a Rupee today is not the same as a Rupee 20 years from now. By ignoring friction—taxes, inflation, and hidden fees—they set you up for a massive disappointment when you actually try to use that wealth.
The Silent Thief (Inflation)
Inflation is the most dangerous wealth killer because it's invisible. At a standard 6% inflation rate, the purchasing power of your money cuts in half every 12 years. If your calculator says you'll have &rupee;1 Crore in 20 years, it's actually worth only about &rupee;31 Lakhs in today's terms. Clear SIP shows you the truth.
Hidden Charges & Compounding Drag
A 1% expense ratio sounds small, but it's deducted from your *entire corpus* every single year. Over a 20-year period, that 1% fee can eat away up to 25% of your potential wealth because that money never got a chance to compound. We factor in every DP charge, STT, and maintenance fee.
The Tax Reality
The government is your silent partner. With the new 12.5% LTCG tax on equity and property, and income tax slabs reaching 30% for FDs, your "gross returns" are never yours to keep. Clear SIP calculates the exact tax liability, including the 4% Health & Education Cess, so you know exactly what will land in your bank account.