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Step-up SIP - Free Interactive Mutual Fund Calculator | Sarmotools

Auto-increase investment annually as your income grows

Total Future Value

₹1.99 Cr
2.89x Multiplier
Invested vs Returns
Invested (34.6%)
Returns (65.4%)

YEARLY BREAKDOWN

YearMonthlyInvestedReturnsTotalReal Value
Y1₹10,000₹1.20 L₹8,093₹1.28 L₹1.21 L
Y2₹11,000₹2.52 L₹33,241₹2.85 L₹2.54 L
Y3₹12,100₹3.97 L₹79,210₹4.76 L₹4.00 L
Y4₹13,310₹5.57 L₹1.50 L₹7.07 L₹5.60 L
Y5₹14,641₹7.33 L₹2.52 L₹9.85 L₹7.36 L
Y6₹16,105₹9.26 L₹3.90 L₹13.16 L₹9.28 L
Y7₹17,716₹11.38 L₹5.71 L₹17.10 L₹11.37 L
Y8₹19,487₹13.72 L₹8.04 L₹21.76 L₹13.65 L
Y9₹21,436₹16.30 L₹10.97 L₹27.27 L₹16.14 L
Y10₹23,579₹19.12 L₹14.62 L₹33.74 L₹18.84 L
Y11₹25,937₹22.24 L₹19.11 L₹41.35 L₹21.78 L
Y12₹28,531₹25.66 L₹24.58 L₹50.24 L₹24.97 L
Y13₹31,384₹29.43 L₹31.21 L₹60.64 L₹28.43 L
Y14₹34,523₹33.57 L₹39.18 L₹72.75 L₹32.18 L
Y15₹37,975₹38.13 L₹48.71 L₹86.84 L₹36.23 L
Y16₹41,772₹43.14 L₹60.06 L₹1.03 Cr₹40.63 L
Y17₹45,950₹48.65 L₹73.52 L₹1.22 Cr₹45.37 L
Y18₹50,545₹54.72 L₹89.43 L₹1.44 Cr₹50.50 L
Y19₹55,599₹61.39 L₹1.08 Cr₹1.70 Cr₹56.04 L
Y20₹61,159₹68.73 L₹1.30 Cr₹1.99 Cr₹62.01 L

Understanding the Step-up SIP

The Step-up SIP is a high-precision systematic financial tool engineered by Sarmotools. Auto-increase investment annually as your income grows By actively modeling your expected mutual fund return rates alongside the impact of inflation, this systematic calculator empowers you to accurately forecast compounding wealth over long-term investment periods.

Algorithmic Calculation Methodology: All projections rendered by the Step-up SIP utilize standard compound annual growth rate (CAGR) formulas synchronized to monthly compounding cadences. Wealth multipliers and "Real Value" metrics dynamically discount the projected corpus against expected inflation parameters to compute actual purchasing power. Please note that market volatility and respective long-term capital gains (LTCG) tax liabilities are not strictly accounted for.