Invest more as you earn more. Corpus grows much faster.
How to use this calculator
Enter your starting monthly SIP — what you can invest today.
Set Investment Duration — how many years you plan to stay invested.
Set Annual Return (CAGR) — expected yearly growth rate of your investment.
Set Step-up % — how much you'll increase your SIP every year (matches salary hike).
The chart shows Step-up Corpus vs Flat SIP Corpus so you can see the difference.
📊 Quick Example
Starting SIP
10,000/mo
CAGR
25% / yr
Duration
10 years
Flat SIP (0%)
~1.58 Cr
Step-up SIP (10%)
~2.31 Cr
That's 46% more wealth just by stepping up 10% each year.
💸 Withdrawal (SWP) Inputs
25%
5%
10 Year Total Drawn
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20 Year Total Drawn
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30 Year Total Drawn
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Balance After 10yr
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Balance After 20yr
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Balance After 30yr
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📊 Corpus Over Time (Withdrawal Phase)
💡 How Inflation Adjustment Works
✅ Inflation = 0%
Your withdrawal stays flat forever.
e.g. 10,000/mo every month for 10 years
Total = 10,000 × 120 = 1,200,000
Matches tools like Groww — simple fixed withdrawal.
⚡ Inflation = 5%
Withdrawal increases every year to maintain purchasing power.
Year 1: 10,000 → Year 2: 10,500 → Year 3: 11,025 → ...
By Year 10 you're withdrawing ~15,513/mo
More realistic — accounts for rising cost of living.
Why does this matter?10,000 AED today won't buy the same things in 5 years. At 5% inflation, you'd need ~12,763 AED in 5 years to maintain the same lifestyle. The inflation adjustment automatically steps up your withdrawal each year so your real spending power stays the same — not just the number.