1
Inputs required • అవసరమైన ఇన్పుట్లు
• Initial SIP Amount (monthly) — మొదటి నెలలో పెట్టుబడి (₹).
• Top-up / Step-up rate — ఏ తరహా: yearly % increase (e.g., 10%) లేదా fixed amount (e.g., ₹500 per year).
• Top-up Frequency — yearly (commonly), or custom intervals (every 6 months).
• Tenure (years) — investment horizon in years.
• Expected return (%) — assumed annual gross return for projection. • ఇవన్నీ నమోదు చేయండి.
• Top-up / Step-up rate — ఏ తరహా: yearly % increase (e.g., 10%) లేదా fixed amount (e.g., ₹500 per year).
• Top-up Frequency — yearly (commonly), or custom intervals (every 6 months).
• Tenure (years) — investment horizon in years.
• Expected return (%) — assumed annual gross return for projection. • ఇవన్నీ నమోదు చేయండి.
2
How Step-up works • టాప్-అప్ ఎలా పని చేస్తుంది
• If step-up = 10% annually, SIP next year = SIP × (1 + 0.10). If fixed ₹500/year, add ₹500 to monthly SIP at chosen frequency.
• Step-up is applied on the specified date — e.g., every anniversary or at start of year — compounding increases your flow and corpus over time. • పెరిగే SIP compound అవుతుంది.
• Step-up is applied on the specified date — e.g., every anniversary or at start of year — compounding increases your flow and corpus over time. • పెరిగే SIP compound అవుతుంది.
3
Contribution Timing • కాంట్రిబ్యూషన్ టైమింగ్
• Common approach: contributions monthly; top-up applied once per year (on SIP anniversary) or at start of financial year. If top-up frequency is mid-year, the calculator prorates future installments accordingly. • మీరు ఎంచుకున్న తేదీన టాప్-అప్ వర్తిస్తుంది.
4
Outputs • ఫలితాలు
• Yearly/Final Corpus — projected future value with step-ups applied.
• Total Invested — sum of all SIP installments (including top-ups).
• Effective CAGR (%) — annualized return on money-weighted basis (approx) or simply projected using assumed returns. • ఈ విలువలు భావోద్వేగంగా చూపబడతాయి.
• Total Invested — sum of all SIP installments (including top-ups).
• Effective CAGR (%) — annualized return on money-weighted basis (approx) or simply projected using assumed returns. • ఈ విలువలు భావోద్వేగంగా చూపబడతాయి.
5
Examples • ఉదాహరణలు
• Example A: Initial ₹5,000/month, 10% step-up yearly, 12% expected return, 10 years → corpus shows how small annual increases amplify final corpus.
• Example B: Initial ₹3,000, fixed top-up ₹500/year, 8% return, 15 years → compare with no top-up scenario to see impact.
• Example B: Initial ₹3,000, fixed top-up ₹500/year, 8% return, 15 years → compare with no top-up scenario to see impact.
6
Tips & Notes • సూచనలు
• Calculator assumes returns compound at an annual rate — actual market returns vary; projections are illustrative. • నిజ జీవితంలో రిటర్న్స్ మారొచ్చు.
• If you use monthly returns for projection, the tool will convert annual expected return to monthly compounding internally. • నెలవారీగా కంపౌండింగ్ చేస్తాము.
• For precise money-weighted IRR with irregular top-ups ask for an IRR/XIRR mode — we can add it. • IRR/XIRR అవసరమైతే చెప్పండి.
• If you use monthly returns for projection, the tool will convert annual expected return to monthly compounding internally. • నెలవారీగా కంపౌండింగ్ చేస్తాము.
• For precise money-weighted IRR with irregular top-ups ask for an IRR/XIRR mode — we can add it. • IRR/XIRR అవసరమైతే చెప్పండి.