Calculate the wealth growth of your Systematic Investment Plan (SIP) with compounding returns and annual step-up increments. See how small monthly habits compound into life-changing financial freedom.
⚙️ SIP Parameters
Step-Up Compounding Multiplier
Your 10% annual step-up adds an extra ₹45.2 Lakhs compared to a flat SIP!
📊 Year-by-Year Compounding Schedule
Annual Simulation| Year | Monthly SIP | Annual Investment | Total Invested So Far | Wealth Gains (Interest) | Closing Portfolio Value |
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🚀 Why Step-Up Your SIP?
A 10% annual step-up matches your typical career salary hikes. Increasing a ₹10,000 SIP by just 10% every year often doubles your final 20-year wealth because compounding works on larger sums in later years.
⚖️ Mutual Fund Taxation in India
Under Budget 2024 tax rules, Long-Term Capital Gains (LTCG) on Equity Mutual Funds held over 1 year are taxed at 12.5% on gains exceeding ₹1.25 Lakhs per financial year. Short-term gains are taxed at 20%.
📅 Which SIP Date is Best?
Over 10 to 20 years, historical backtesting of the Nifty 50 proves there is less than 0.1% difference between 1st, 10th, or 25th of the month. Pick a date 2-3 days after your salary credit for discipline!