Wealth Compounding with Annual Increments
Step-Up SIP Wealth Calculator
As your salary increases each year with appraisals, your investments should too. See how increasing your monthly SIP by just 10% annually creates massive wealth.
₹15,000/mo
₹
10% / year
0% (Flat SIP) 5% 10% (Recommended) 20%
12%
8% (Debt/Hybrid) 12% (Nifty Index) 15% (Mid/Small Cap)
12 Years
3 Years 10 Years 20 Years 30 Years
Expected Maturity Value
₹75,36,556
Total Invested ₹38,49,192
Est. Returns (Wealth Gain) ₹36,87,364
The Step-Up Advantage
+ ₹27,02,773 extra wealth
Compared to a flat non-increasing SIP of ₹15,000/mo!
Key Investment Principles
• Automate with appraisal: Set your mutual fund mandate to auto-step up 10% in April or May when appraisals take effect.
• Power of Compounding: In a 15-year SIP, more than 60% of the final maturity corpus comes from compounding returns, not your invested principal!