Step-up SIP Calculator
See the effect of increasing your SIP a little every year.
- Amount invested
- ₹19,12,491
- ₹19.12 lakh
- Estimated gains
- ₹14,61,835
- ₹14.62 lakh
- Estimated value with step-up
- ₹33,74,326
- ₹33.74 lakh
- Value without any step-up
- ₹23,23,391
- ₹23.23 lakh
| Year | Amount invested | Estimated gains | Estimated value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,52,000 | ₹33,241 | ₹2,85,241 |
| 3 | ₹3,97,200 | ₹79,210 | ₹4,76,410 |
| 4 | ₹5,56,920 | ₹1,50,403 | ₹7,07,323 |
| 5 | ₹7,32,612 | ₹2,51,958 | ₹9,84,570 |
| 6 | ₹9,25,873 | ₹3,89,861 | ₹13,15,734 |
| 7 | ₹11,38,461 | ₹5,71,067 | ₹17,09,527 |
| 8 | ₹13,72,307 | ₹8,03,649 | ₹21,75,956 |
| 9 | ₹16,29,537 | ₹10,96,963 | ₹27,26,501 |
| 10 | ₹19,12,491 | ₹14,61,835 | ₹33,74,326 |
Illustrative purposes only. Returns are assumed and not guaranteed. This is not investment advice.
How this calculator works
A step-up SIP starts at one amount and increases by a fixed percentage every 12 months — for example, in line with a yearly pay rise.
The calculator works month by month: it adds each instalment, applies one month's growth, and raises the instalment at the start of every new year. For comparison it also shows what the same starting SIP would be worth with no increases.
Illustrative purposes only. Returns are assumed and not guaranteed. This is not investment advice.
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