SIP & Step-Up Wealth Accumulation Calculator Pro (2026)
Forecast your mutual fund wealth creation through systematic investing, model annual step-up contribution increments (+10%), compute post-tax maturity wealth under the 12.5% LTCG regime (Section 112A), and export an A4 Investor Wealth Statement.
payments 1. SIP Amount & Step-Up Increments
Starting monthly installment
Annual percentage boost to SIP installment
Nifty 50 / Flexicap historical index average
badge 2. Investor & Folio Profile
1. Year-by-Year Step-Up Compounding Schedule
| Year | Monthly SIP (₹) | Annual Deposit (₹) | Cumulative Invested (₹) | Ending Corpus (₹) |
|---|
2. Budget 2026 Capital Gains Tax Assessment (Section 112A)
Long-term capital gains exceeding statutory threshold of ₹1,25,000 are subject to unified LTCG tax @ 12.5% (+ 4% Health & Education Cess). On gross capital gains of ₹85,66,910.00, estimated tax liability is ₹10,70,490.00, yielding a net post-tax maturity wealth of ₹1,32,15,420.00.
Investor Guide: The Mathematical Power of Step-Up SIPs
rocket_launch Why 10% Step-Up Beats Flat SIPs
A flat ₹15,000 monthly SIP at 13% CAGR over 15 years yields approx ₹79 Lakhs. By stepping up your SIP by just 10% annually (matching typical career salary increments), your maturity wealth expands to over ₹1.42 Crore!
verified Section 112A Unified 12.5% LTCG
Under the Finance Act amendments, Long-Term Capital Gains on equity-oriented mutual funds held for more than 12 months are taxed at a flat 12.5% rate. The first ₹1.25 Lakhs of capital gain per financial year is 100% tax-exempt.