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SIP & Step-Up Calculator
Calculate projected wealth from systematic mutual fund investments.
₹10,000
₹500₹75,000₹1,50,000
12%
5% (Debt/FD)12% (Nifty 50 Avg)30%
15 Years
1 Yr15 Yrs35 Yrs
+10% / year
Increases your monthly SIP by 10% each year, mirroring your salary increments and accelerating compounding.
Projection Summary
Expected Total Wealth
₹86,83,849
Total Amount Invested₹38,12,698
Estimated Returns (Wealth Gain)₹48,71,152
Invested: 44%Gains: 56%
How the Math Works
Projections are calculated based on monthly compounding. Mutual fund investments are subject to market risks, and actual historical equity returns oscillate across economic cycles.Year-by-Year Growth Schedule
| Year | Total Invested | Estimated Gains | Total Corpus |
|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| Year 2 | ₹2,52,000 | ₹33,241 | ₹2,85,241 |
| Year 3 | ₹3,97,200 | ₹79,210 | ₹4,76,410 |
| Year 4 | ₹5,56,920 | ₹1,50,403 | ₹7,07,323 |
| Year 5 | ₹7,32,612 | ₹2,51,958 | ₹9,84,570 |
| Year 6 | ₹9,25,873 | ₹3,89,861 | ₹13,15,734 |
| Year 7 | ₹11,38,461 | ₹5,71,067 | ₹17,09,527 |
| Year 8 | ₹13,72,307 | ₹8,03,649 | ₹21,75,956 |
| Year 9 | ₹16,29,537 | ₹10,96,963 | ₹27,26,501 |
| Year 10 | ₹19,12,491 | ₹14,61,835 | ₹33,74,326 |
| Year 11 | ₹22,23,740 | ₹19,10,776 | ₹41,34,516 |
| Year 12 | ₹25,66,114 | ₹24,58,227 | ₹50,24,342 |
| Year 13 | ₹29,42,725 | ₹31,20,840 | ₹60,63,565 |
| Year 14 | ₹33,56,998 | ₹39,17,792 | ₹72,74,790 |
| Year 15 | ₹38,12,698 | ₹48,71,152 | ₹86,83,849 |