Step-Up SIP Calculator
Project a SIP whose instalment rises by a fixed percentage every year.
Result
- Estimated gain
- ₹14,61,835
- Absolute return
- 76.44%
- Last instalment
- ₹23,579.48
- Started at ₹10,000 and stepped up 10% a year.
| Year | Monthly SIP | Invested so far | Estimated value |
|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹11,000 | ₹2,52,000 | ₹2,85,241 |
| 3 | ₹12,100 | ₹3,97,200 | ₹4,76,410 |
| 4 | ₹13,310 | ₹5,56,920 | ₹7,07,323 |
| 5 | ₹14,641 | ₹7,32,612 | ₹9,84,570 |
| 6 | ₹16,105 | ₹9,25,873 | ₹13,15,734 |
| 7 | ₹17,716 | ₹11,38,461 | ₹17,09,527 |
| 8 | ₹19,487 | ₹13,72,307 | ₹21,75,955 |
| 9 | ₹21,436 | ₹16,29,537 | ₹27,26,500 |
| 10 | ₹23,579 | ₹19,12,491 | ₹33,74,326 |
An estimate, not a guarantee. It assumes the return you entered is earned steadily every month; real mutual fund returns vary year to year and can be negative. Nothing here is investment advice.
Estimated from the numbers you entered — not a projection of guaranteed returns.
About this calculator
A step-up SIP raises the monthly instalment by a fixed percentage once every twelve months, so the contribution keeps pace with a rising salary. This calculator runs the plan month by month: the instalment is invested at the start of each month, the balance grows at one-twelfth of the annual return you assume, and the instalment steps up on the anniversary. The result is a projection built entirely on the return you supply — it is not a guarantee, and mutual fund returns are not assured.
Formula
- Each month: balance = (balance + instalment) × (1 + i), with i = expected return ÷ 12
- Every 12 months: instalment = instalment × (1 + step-up %)
- Invested = sum of all instalments; Estimated gain = value − invested
Frequently asked questions
When does the instalment actually rise?
On each twelve-month anniversary — month 13, month 25 and so on. The first twelve instalments are the amount you entered.
Is a step-up SIP better than a normal SIP?
It invests more money over the same period, so the projected corpus is larger. Whether it suits you depends on your income and goals; this tool only does the arithmetic.
Are these returns guaranteed?
No. The return percentage is an assumption you supply. Actual mutual fund returns vary and can be negative in any given year.