SIP step-up
What does a yearly SIP increase do?
Raising your monthly investment a little every year, as your income grows, can pull your freedom date meaningfully closer. See by how much.
A yearly step-up brings freedom closer by
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How this is worked out
The same month-by-month projection the app uses is run twice: once holding your SIP flat, and once raising it by your chosen percentage every twelve months. The gap between the two freedom dates is what the step-up buys you.
It assumes about 11% long-term growth, about 6% inflation, and a 6% safe withdrawal rate to size the goal corpus. Real returns vary; this is an estimate, not a promise.
Synarsi does this continuously with your real numbers. See how it works.
Synarsi is a planning tool, not a financial adviser, and nothing here is financial advice. All figures are computed from the inputs you enter and are not a guarantee of future results.