स्टेप-अप SIP कैलकुलेटर
Step-up SIP calculator
Your income grows, so your SIP can too. See what increasing it every year does to the final amount.
Runs in your browser · nothing uploaded
Estimated value
₹33.74 L
You invest
₹19.12 L
Estimated gains
₹14.62 L
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,52,000 | ₹2,85,241 |
| 3 | ₹3,97,200 | ₹4,76,410 |
| 4 | ₹5,56,920 | ₹7,07,323 |
| 5 | ₹7,32,612 | ₹9,84,570 |
| 6 | ₹9,25,873 | ₹13,15,734 |
| 7 | ₹11,38,461 | ₹17,09,527 |
| 8 | ₹13,72,307 | ₹21,75,956 |
| 9 | ₹16,29,537 | ₹27,26,501 |
| 10 | ₹19,12,491 | ₹33,74,326 |
Assumes each instalment is invested at the start of the month and compounds monthly. Market returns vary; this is an estimate, not a guarantee.
How to use it
- 01Enter your starting monthly SIP.
- 02Set the expected return, the years and the yearly step-up percentage.
- 03Compare the estimated value and gains with a flat SIP.
₹10,000/month · 12% · 10 years · 10% step-up
≈ ₹33.7 L from ₹19.1 L invested, against ≈ ₹23.2 L for a flat SIP
About this tool
A step-up SIP raises the monthly instalment by a fixed percentage every year, in line with a growing salary. This page opens with a 10% step-up already set; change it to any value, or set it to zero to see a flat SIP for comparison.
Instalments are assumed to be invested at the start of each month and to compound monthly at your expected return, and the step-up applies at the start of each year. Returns are not guaranteed and mutual fund investments carry market risk, so use several rates to see a range. Taxes and fund charges are not deducted.
The calculation runs in your browser. For a fixed-instalment SIP, a one-time investment or a savings target, see the related calculators.
हिंदी में मदद
हर साल अपनी SIP की रकम तय प्रतिशत से बढ़ाने पर अंत में कितनी रकम बनेगी, यह जानें। यहाँ 10% स्टेप-अप पहले से भरा है, जिसे आप बदल सकते हैं। रिटर्न अनुमानित है, गारंटी नहीं, और बाज़ार जोखिम रहता है।
Questions
What is a step-up SIP?
A SIP whose monthly amount rises by a set percentage each year, such as 10%, so the investment keeps pace with your income.
How much more does a step-up give than a flat SIP?
A lot over long periods. ₹10,000 a month at 12% for 10 years gives about ₹23.2 lakh flat, but about ₹33.7 lakh with a 10% yearly step-up, though you also invest more.
Is the step-up applied monthly or yearly?
Yearly. The instalment stays the same for 12 months, then rises by the step-up percentage.
Are the returns guaranteed?
No. The expected return is your assumption; real returns vary and can be negative over short periods.