Wealth Accumulation Calculator — Calculations & Slabs for FY 2026-27

A wealth accumulation calculator projects the growth of your investments over time, combining an initial lump sum with recurring monthly contributions. It helps you see the future value of your portfolio and evaluate if your current savings rate is sufficient to meet your long-term goals.

An annual step-up means you increase your monthly investment amount by a fixed percentage (e.g., 10%) each year, usually matching salary increases. This simple change compounds your wealth significantly faster than a flat SIP because you are putting larger amounts to work over time.

For a long-term equity-oriented portfolio in India, a realistic expected return rate to assume is 12% to 15% per annum. For balanced portfolios, 10% to 12% is safer, and conservative debt-focused portfolios should be estimated at 6% to 8%.

Compounding frequency determines how often the interest is calculated and added back to your principal. The more frequent the compounding (e.g. monthly vs. annually), the faster your money grows, although the difference becomes major primarily over long durations (15+ years).

You can verify the values against the official notifications listed in our data sources section at the bottom of the page.