Configure Inputs

₹5,000
₹
₹100₹50.00 Lakh
10%
%
050
10
135

Stop contributing after a few years but let the money grow.

12%
%
030
Balanced / Index

Typical long-term average for Large Cap / Index Funds.

Calculates post-tax wealth based on a custom LTCG assumption. Exemption is optional and must match the regime you are modeling.

Calculations assume money retains its current purchasing power.

Total Investment

₹9.56 Lakh

Interest Earned

₹7.31 Lakh

Maturity Value

After 10 Years

₹16.87 Lakh

Break-up of Maturity Value

Invested Amount
Est. Returns

Wealth Compounding Projection

Visualizing how your principal amount and interest grow over time.

Analysis & Results

Return Scenarios

See how corpus changes with +/-2% return assumptions.

Conservative

10.0% annual return

₹15.23 Lakh

Gain: ₹5.67 Lakh

Base Case

12.0% annual return

₹16.87 Lakh

Gain: ₹7.31 Lakh

Aggressive

14.0% annual return

₹18.75 Lakh

Gain: ₹9.19 Lakh

Investment Insights

Corpus Multiple

1.76x

Total value vs invested capital

Monthly Income (4%)

₹5,624

Strongest Growth Year

2035

Growth: ₹1.76 Lakh

2x Milestone

Not reached

When value first reaches 2x invested

Goal Tracker

Set a target corpus and see whether this plan reaches it on time.

₹0
₹
₹0₹100.00 Cr

Plan Status

Below target

Shortfall: ₹0

Target Date

Not in term

Coverage: 0.0%

Needed In Same Timeline

Current plan works

No extra contribution needed

Same Plan Timeline

On schedule

Target not reached within 100 years

Growth Schedule

March 2026
Year
Total Invested
Interest Earned
Maturity Value
2026
₹50,000
+₹2,834
₹52,834
2027
₹1,15,000
+₹13,865
₹1,28,865
2028
₹1,86,500
+₹34,971
₹2,21,471
2029
₹2,65,150
+₹68,299
₹3,33,449
2030
₹3,51,665
+₹1,16,352
₹4,68,017
2031
₹4,46,831
+₹1,82,048
₹6,28,879
2032
₹5,51,515
+₹2,68,779
₹8,20,293
2033
₹6,66,666
+₹3,80,483
₹10,47,150
2034
₹7,93,333
+₹5,21,726
₹13,15,059
2035
₹9,32,666
+₹6,97,791
₹16,30,457
2036
₹9,56,245
+₹7,30,918
₹16,87,163
Click on [+] to view monthly breakdown.

Deep Dive & FAQ

Why You Should 'Step-Up' Your Investments

A Step-Up SIP (also known as a Top-up SIP) is a strategy where you increase your SIP amount periodically—usually once a year. This increase is typically aligned with your annual salary hikes or business profit growth. While a normal SIP is great for consistency, a Step-Up SIP is the "secret weapon" for achieving massive financial goals much faster.

The Difference is Staggering

Consider two investors, A and B, both starting with ₹10,000/month for 20 years at 12%.
- Investor A (Normal SIP): Final corpus ~₹1 Crore.
- Investor B (10% Annual Step-Up): Final corpus ~₹2.2 Crores!
By just increasing the investment as their income grows, Investor B more than doubled their wealth compared to Investor A.

How to Optimize Your Step-Up SIP

To get the most out of your increasing contributions, keep these strategies in mind:

  • Match Your Hike: If you get a 10% salary hike, aim to increase your SIP by 10% too. This prevents "lifestyle creep" from eating into your potential savings.
  • Start Small: You don't need a huge starting amount. Even a ₹2,000 SIP with a 10% yearly increase grows significantly over time.
  • Inflation Neutralizer: Inflation reduces the value of your money. A Step-Up SIP helps your savings keep pace with rising costs by ensuring you invest more as time goes by.

Step-Up SIP FAQs

Q: What is the ideal percentage for a Step-up SIP?

Most financial advisors recommend a 5% to 10% annual increase, as it usually aligns with average salary hikes and inflation.

Q: Can I cap my Step-up SIP after a few years?

Yes, you can specify a 'Maximum Amount' for your SIP. Once reached, the SIP continues at that fixed amount until the end of the tenure.

Q: Is Step-up better than a One-time Lumpsum?

Step-up SIP is generally better for salaried individuals as it builds discipline and reduces the risk of investing a large sum at a market peak.