₹
₹0
₹5 Cr
₹
₹0
₹1 Cr
%
0%
25%
%
4%
20%
Yrs
1 yr
40 yrs
%
0%
12%
Nominal Terminal Value (Lump Sum Only)
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Total Terminal Value (With Step-Up Contributions)
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■ Invested
■ Returns
Real (Inflation-Adjusted) Terminal Value
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Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance is not indicative of future returns. The calculations shown are for illustrative purposes only and should not be considered as financial advice.
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.