How does a Step-Up SIP accelerate wealth compounding?

A Step-Up SIP increases your monthly investment by a fixed percentage (e.g. 10%) each year as your income rises. Over 15–20 years, a 10% annual step-up can nearly double the terminal wealth compared to a static flat SIP.

Why does InvestResearch use Decimal.js for financial calculations?

Standard JavaScript floating-point numbers (IEEE 754) suffer from binary rounding errors (e.g. 0.1 + 0.2 != 0.3). In multi-decade financial compounding, this causes compounding drift. InvestResearch computes all results with Decimal.js at precision 28 with ROUND_HALF_UP.

Institutional Suite• Decimal.js Precision 28 • Zero Rounding Drift

15 Quantitative Financial Planning Calculators

Deterministic mathematical projections for Indian mutual fund compounding, retirement horizons, and Union Budget FY 2026–27 income tax.

Systematic Investment Plan (SIP) Calculator

Simulate wealth compounding via monthly SIP, one-time lumpsum, or hybrid (SIP + initial lumpsum deposit).

Monthly SIP Investment₹15,000

Expected Annual Return (CAGR)12.5%

Investment Horizon (Years)15 Years

Total Invested Capital

₹₹27,00,000.00

Estimated Wealth Gained+₹₹52,41,220.81

Total Expected Corpus₹₹79,41,220.81

Capital Invested (34%)Wealth Gain (66%)

SIP CapitalCompounding Gains

Compounding Power: Over 15 years at 12.5% CAGR, your total commitment of ₹₹27,00,000.00 yields ₹₹52,41,220.81 in wealth accumulation — multiplying your invested money by 2.9x.