SIP Step-Up Calculator with Inflation

SIP Step-Up Inputs

Monthly SIP Amount

₹10,000

₹500₹2,00,000

Annual Step-Up

10%

0%50%

Har saal yeh % se SIP badhegi

Expected Return (p.a.)

12%

1%30%

Investment Period

15 yrs

1 yr40 yrs

🔥 Inflation Adjustment

Expected Inflation Rate

0%15%

India mein average inflation 5-7% rehta hai — isse adjust karke dekho aapke corpus ki aaj ki value

Total Invested

—

Est. Returns

—

Total Corpus

—

(Nominal Value)

💰

Nominal Corpus

—

Future mein dikhega itna

🎯

Today's Value

—

Aaj ki purchasing power mein

📉

Inflation Erosion

—

Value inflation kha jayegi

Year-wise Breakdown

Nominal corpus ke saath — aaj ki value bhi dekho (inflation-adjusted)

Year	Monthly SIP	Invested/Yr	Total Invested	Corpus	Today's Value	Gains

💡 Inflation kyu matter karta hai?

Maan lo 15 saal baad aapka corpus ₹1 Crore hai. Sunne mein bahut lagta hai, lekin agar inflation 6% hai toh uski aaj ki value sirf ~₹42 Lakh hogi!

Matlab — aaj jo kaam ₹42 Lakh mein hota hai, wahi kaam 15 saal baad ₹1 Crore mein hoga. Isliye inflation-adjusted value dekhna zaroori hai — taaki aap apne real goals ke hisaab se plan kar sako.

Pro tip: Step-up % ko inflation se zyada rakhna try karo (e.g. 10% step-up vs 6% inflation) — isse aapki real wealth time ke saath badhti rahegi.