Get a probability score for your financial goal — and see exactly what SIP or step-up rate closes the gap.
A financial goal without a probability estimate is just a wish. This calculator uses your SIP amount, step-up rate, expected return, and time horizon to calculate the likelihood of reaching your goal. Studies show that goal-based investing with automatic step-ups increases success probability by 40–60% vs flat SIPs.
Above 80% is considered high probability. Between 60–80% is achievable with discipline. Below 60% means you need to either increase the monthly investment, extend the timeline, accept lower returns expectations, or reduce the goal amount.
Significantly. A ₹20,000/month SIP at 12% for 20 years = ₹1.99Cr. The same SIP with 10% annual step-up = ₹4.8Cr — 2.4× more corpus. Step-up SIP is the most powerful tool for closing goal gaps without a large initial commitment.
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