Stock Return Calculator
Calculate your stock investment returns with SIP, lumpsum, dividend analysis, and capital gains tax implications. Plan your equity investments for optimal returns.
Investment Calculator
Capital Gains Analysis
Investment Returns
Total Investment: ₹100,000
Maturity Value: ₹176,234.168
Total Returns: ₹76,234.168
Absolute Returns: 76.23%
Annualized Returns: 12.00%
Capital Gains
Capital Gains: ₹50,000
Total Dividends: ₹3,000
Gain Type: Long Term
Capital Gains Tax: ₹0
Dividend Tax (TDS): ₹300
Net Returns: ₹52,700
Tax Information
Holding Period: 18 months
Tax Rate: 10% (LTCG)
Dividend TDS: 10% on all dividends
Yearly Projections
| Year | Investment | Portfolio Value | Returns | Return % |
|---|---|---|---|---|
| 1 | ₹100,000 | ₹112,000 | ₹12,000 | 12.0% |
| 2 | ₹100,000 | ₹125,440 | ₹25,440 | 25.4% |
| 3 | ₹100,000 | ₹140,493 | ₹40,493 | 40.5% |
| 4 | ₹100,000 | ₹157,352 | ₹57,352 | 57.4% |
| 5 | ₹100,000 | ₹176,234 | ₹76,234 | 76.2% |
Understanding Stock Investments
Investment Strategies
- • Lumpsum: Invest large amount at once
- • SIP: Invest fixed amount monthly
- • Step-up SIP: Increase SIP amount periodically
- • Dividend Reinvestment: Compound your returns
- • Long-term Holding: Benefit from compounding
- • Diversification: Spread risk across sectors
Tax Implications
- • STCG (< 12 months): 15% tax on gains
- • LTCG (≥ 12 months): 10% on gains > ₹1 lakh
- • Dividend Tax: 10% TDS on all dividends
- • No Securities Transaction Tax: On delivery trades
- • Indexation: Not available for equity
- • Loss Offset: Set off against other gains
Investment Tips
Risk Management
- • Diversify across sectors
- • Start with large-cap stocks
- • Set stop-loss orders
- • Review portfolio regularly
SIP Benefits
- • Rupee cost averaging
- • Disciplined investing
- • Lower risk compared to lumpsum
- • Flexible investment amounts
Tax Optimization
- • Hold for more than 1 year
- • Use LTCG exemption of ₹1 lakh
- • Harvest tax losses
- • Plan dividend timing