INVESTMENT ACCELERATOR

₹54,35,200

Real purchasing power in today's money (discounted for 6% annual inflation) with an annual 10% contribution increase.

Investment Inputs

₹15,000
10% / year

Raise your monthly SIP contribution once every 12 months with salary increments.

15 Years
12%

Historical Indian diversified equity funds typically compound at 11–13% over 10+ years.

Inflation Adjustment

Shows real purchasing power discounted at 6% annual inflation

Step-Up Corpus
₹1.30 Cr
72% higher than flat SIP
Extra Wealth Gained
+₹54.57 L
Pure compounding edge
Total Capital Invested
₹57.19 L
Ends at ₹56,962/mo
Estimated LTCG Tax (12.5%)
₹8.98 L
Above ₹1.25L exemption

Compounding Trajectory

Comparing annual Step-Up SIP vs standard Flat SIP growth

The Financial Engineering Insight

Stepping up your monthly contribution by just 10% annually generates an additional ₹54,57,134 in wealth over 15 years. Because annual increments match income growth, step-up SIPs turn routine salary hikes into exponential wealth generators without altering lifestyle comfort.

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Inflation-Adjusted Corpus (Real)
₹54,35,200
Extra Wealth vs Flat SIP
+₹54.57 L
+72% multiplier
Total Capital Invested
₹57.19 L
Tenure & Return
15 Yrs @ 12%
10% annual step-up