Estimate your portfolio’s future value with lump sum growth, step-up annual contributions, and inflation adjustment.

How This Calculator Works

Unlike a basic SIP calculator, this tool models three things that actually matter for long-term wealth:

  • Lump sum growth — Your existing investments compound over time at the expected return rate.
  • Step-up contributions — Most people increase their SIP amount annually as their salary grows. This calculator lets you factor in that annual step-up percentage.
  • Inflation adjustment — A corpus of ₹5 crore in 2045 won’t buy what ₹5 crore buys today. The inflation-adjusted view shows your portfolio’s real purchasing power.

Why Step-Up Matters

A flat ₹10,000/month SIP at 12% for 20 years grows to ~₹1 crore. The same SIP with a 10% annual step-up grows to ~₹1.9 crore. That one change nearly doubles your outcome.

Realistic Assumptions

  • Equity returns: 10-12% CAGR over 15+ years is historically reasonable for Indian equity mutual funds.
  • Inflation: RBI targets 4%, but 6% is a safer assumption for long-term planning.
  • Step-up rate: 8-10% annually is realistic if your salary grows at typical IT/corporate rates.