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Step-up SIP Calculator

See the difference when you increase your SIP every year as your income grows.

₹10,000
₹500₹2,00,000
10%
0%50%
12%
1%30%
15 yrs
1 yr40 yrs

Invested amount

₹38,12,698

Est. returns

₹48,71,152

Total value

₹86,83,849

Final monthly SIP

₹37,975

That’s ₹36.38 L more than a flat SIP of ₹10,000/month.

InvestedEst. returns
₹0 ₹21.71 L ₹43.42 L ₹65.13 L ₹86.84 LY1: Invested ₹1.20 L, Est. returns ₹8.1KY2: Invested ₹2.52 L, Est. returns ₹33.2KY2Y3: Invested ₹3.97 L, Est. returns ₹79.2KY4: Invested ₹5.57 L, Est. returns ₹1.50 LY4Y5: Invested ₹7.33 L, Est. returns ₹2.52 LY6: Invested ₹9.26 L, Est. returns ₹3.90 LY6Y7: Invested ₹11.38 L, Est. returns ₹5.71 LY8: Invested ₹13.72 L, Est. returns ₹8.04 LY8Y9: Invested ₹16.30 L, Est. returns ₹10.97 LY10: Invested ₹19.12 L, Est. returns ₹14.62 LY10Y11: Invested ₹22.24 L, Est. returns ₹19.11 LY12: Invested ₹25.66 L, Est. returns ₹24.58 LY12Y13: Invested ₹29.43 L, Est. returns ₹31.21 LY14: Invested ₹33.57 L, Est. returns ₹39.18 LY14Y15: Invested ₹38.13 L, Est. returns ₹48.71 L

Illustration only, based on the assumed rate of return you select. Actual returns may vary and are not guaranteed. This is not investment advice.

How this calculator works

A step-up (or top-up) SIP increases your monthly instalment by a fixed percentage every year — usually in line with salary increments.

Even a modest annual step-up can significantly increase your final corpus compared with a flat SIP, because larger instalments get more time to compound.

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