The raise is the product
The other SIP calculator already has a step-up toggle. This page leads with the raise: starting monthly, annual step-up %, assumed return, years — and the extra corpus versus never raising. That is the question people actually ask in salary-increment season.
Worked example: ₹10,000, 10% step, 12% assumed, 15 years
Compare “extra vs flat.” If the extra is smaller than one bonus, stop arguing about 9% vs 10% step-up.
Questions
Are my numbers uploaded?
No. Arithmetic stays in this tab. Remember writes this browser only.
Can I share the inputs?
The URL hash (#) stores fields. Copy the address bar. Nothing is sent as a query string to a server of ours.
Is this a filing?
No. Print the worksheet. Argue with payroll or a CA. Do not paste this into an ITR as authority.
Same as the SIP page?
No. That page is a level monthly with optional inflation on the ending corpus. This page’s job is the annual raise versus flat.