Wealth Calculator
The Smart Way to Plan Your First ₹1 Crore
📅 Yearly Projections
| Year | Invested | Interest | Total |
|---|
Projections are estimates. Mutual Funds are subject to market risks.
🤔 Which Calculator Mode Should You Use?
We offer three distinct modes to match your financial situation. Here is how to choose the right one:
1. Step-Up SIP
Best for: Salaried Employees.
You invest a fixed amount monthly from your salary. The "Step-Up" feature lets you increase this amount annually as your income grows.
2. Lumpsum
Best for: Bonus / Inheritance.
You have a bulk amount of cash today (e.g., ₹5 Lakhs) and want to invest it all at once for a fixed period without adding more later.
3. Advanced 🔥
Best for: Aggressive Investors.
The "Pro" mode. You start with a bulk Lumpsum AND continue a monthly Step-Up SIP. This is the fastest way to reach ₹1 Crore.
🚀 The "10% Trick" to Double Your Wealth (Step-Up SIP)
Most investors start a SIP of ₹5,000 and keep it constant for years. This is a huge financial mistake. As your salary grows, inflation rises, reducing the real purchasing power of your investment.
Why "Step-Up" is the Secret Weapon
A Step-Up SIP means increasing your SIP amount by a small percentage (usually 10%) every year. Since most corporate appraisals in India are 8-12%, this increase feels painless on your wallet but has a massive impact on your final corpus.
Normal SIP
₹99 Lakhs
Step-Up (10%)
₹2.3 Crores 🚀
Verdict: You gain an extra ₹1.3 Crores just by enabling auto-increment.
📉 The Math Behind the Magic: Compounding + Volume
Why does a small 10% increase result in double the money? It is because of the Power of Compounding combined with the Snowball Effect.
- The Base: In the early years, your interest earns interest. This is standard compounding.
- The Boost: When you Step-Up, you feed the compounding machine more fuel every year.
- The Explosion: In the last 5 years of a 20-year SIP, your corpus grows exponentially because you have a massive accumulated capital plus a much higher monthly contribution working together.
How to enable this?
You don't need to manually change it every year. In apps like Zerodha Coin, Groww, or Kuvera, look for the "Step-Up" or "Top-Up" option when starting a SIP. Set it to "10% Annually" or "₹1000 Yearly".