Inputs
Enter base SIP, expected return, duration and top-up %.
Why Top-up?
Align SIP with income growth & inflation; compounding magnifies increases.
Typical Range
- 5–10% conservative
- 10–15% growth
- 20%+ aggressive
Note
Return assumption is a simplifying average; real path varies.
Projected corpus including annual step-up adjustments.
i How This Planner Works
Educational illustration – ignores taxes, fees & sequence variability.
Computation Model
Each month: grow existing balance by monthly rate (annual/12 approximation) then add current SIP. At year end SIP increases by top-up %.
We generate year-end snapshots for both scenarios (with & without top-ups) to build the comparison chart.
Choosing a Top-up %
- Match salary growth (e.g. 8–12%).
- Be conservative if income volatility high.
- Review annually; skip increase in lean years rather than stopping SIP.
Limitations
Uses constant average return; real markets fluctuate. Monthly rate simplified (annual/12). Tax, expenses, cash drag not included.