Compounding means earning returns on both your principal and previously accumulated returns. Over long periods, the growth portion of your corpus can exceed total contributions — especially when you start early and stay invested.

Enter annual salary, what percentage you invest each year, expected salary growth and investment return. The calculator invests that percentage monthly (salary ÷ 12 × invest%), compounds returns monthly, and increases contributions when salary grows.

Growth contribution is corpus minus total amount you contributed — i.e. the portion from investment returns rather than from your salary savings. It shows how much compounding added over time.

Many salaried investors save a fixed percentage of income (e.g. 20%). As salary rises, absolute savings rise too — this model reflects that behaviour more realistically than a flat SIP.

No. Unless you model a guaranteed product, market-linked returns vary. SEBI-regulated mutual funds must disclose that investments are subject to market risks.

A percentage-based rule (10–20% for long-term goals) is a common planning heuristic. Adjust for EMIs, emergency fund and short-term goals. This calculator is illustrative, not personal advice.

No. It models voluntary investments from salary. EPF and NPS have separate rules and calculators on this site.

Each year your annual investment amount increases by the salary growth rate before the next year's contributions. Higher salary growth raises total invested and final corpus, assuming the same invest percentage.

Starting at 25 typically builds a much larger corpus by retirement than starting at 35 with the same SIP because of extra compounding years. Enter both ages/tenures to compare; returns assumed are not guaranteed.

Link contribution to salary and enable salary growth so savings rise automatically. The growth-contribution table separates how much came from your money versus compounding — illustrative markets only.