About the Crypto SIP Calculator
What is the Crypto SIP Calculator?
A crypto SIP invests a fixed amount in crypto every month. This calculator projects its value at your expected return and at a bear-case return, because crypto returns swing far more than equity.
It also deducts the 30% tax plus cess that applies when you sell.
How to use the Crypto SIP Calculator
- Monthly SIP (₹) (sample: 5,000)
- Expected Return (% per year) (sample: 20)
- Years (sample: 5)
- Bear-Case Return (% per year) (sample: -20)
- Press Project Crypto SIP (results also refresh as you type). The result card shows the Estimated SIP Value, along with Total invested, Projected gain, Tax if sold (30% + cess) and Value after tax.
Formula used
FV = P × [(1 + r)ⁿ − 1] ÷ r × (1 + r)
- P = monthly investment
- r = annual return ÷ 12
- n = number of months
Crypto has had years with falls of 60–75%; plan for the bear case.
Worked example
These are the sample values already filled in the calculator above, and the result it returns for them:
| Input | Sample value |
|---|---|
| Monthly SIP (₹) | 5,000 |
| Expected Return (% per year) | 20 |
| Years | 5 |
| Bear-Case Return (% per year) | -20 |
| Result | Value |
|---|---|
| Estimated SIP Value | ₹5,17,271 |
| Total invested | ₹3,00,000 |
| Projected gain | ₹2,17,271 |
| Tax if sold (30% + cess) | ₹67,789 |
| Value after tax | ₹4,49,482 |
| Bear-case value | ₹1,87,386 |
Tips for using the Crypto SIP Calculator
- Keep crypto to a small share of your portfolio – often 5% or less.
- Use FIU-registered Indian exchanges for SIPs.