ECONOMY, MARKETS & POLICY
Global SIP, 401(k), ISA & Compound Wealth Simulator
Simulate step-up monthly investments with employer match, inflation-adjusted real returns, and country-specific retirement wrappers like SIP, 401(k), ISA, and Super.
USUnited States(USD)Calibrated Edition v2026.09.1
Select Jurisdiction / Currency
401(k) / IRA•Pre-tax 401(k) contributions reduce taxable income; Roth IRA grows tax-free
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Portfolio Value
$1,007,381
Total Invested
$344,148
Wealth Gained
$600,833
Real Value (Post-Inflation)
$579,871
Multiplier: 2.9×
Investment vs Growth
$1,007,381
Your Investment34.2%
Employer Match (4%)6.2%
Returns (Growth)59.6%
Compounded Portfolio Trajectory (Annualized)
| Year | Monthly SIP | Total Invested | Employer Match | Portfolio Value | Real Value |
|---|---|---|---|---|---|
| 1 | $550 | $6,000 | $3,120 | $9,629 | $9,367 |
| 2 | $605 | $12,600 | $6,240 | $20,901 | $19,778 |
| 3 | $666 | $19,860 | $9,360 | $34,049 | $31,342 |
| 4 | $733 | $27,852 | $12,480 | $49,347 | $44,186 |
| 5 | $806 | $36,648 | $15,600 | $67,096 | $58,443 |
| 10 | $1,299 | $95,736 | $31,200 | $206,144 | $156,401 |
| 15 | $2,092 | $190,908 | $46,800 | $481,002 | $317,871 |
| 20 | $3,368 | $344,148 | $62,400 | $1,007,381 | $579,871 |
401(k) / IRA: Pre-tax 401(k) contributions reduce taxable income; Roth IRA grows tax-free
Step-up SIP: Your monthly investment grows from $500 to $3,368 by year 20.
Configure asset class compounding assumptions, inflation deflators, and statutory tax-advantaged account limits.
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Verified: 2026-09-29 • Config v2026.09.1