₹34.37L
Step-up SIP Calculator
Increase your investment each year from
₹100 per month
A Step-up SIP raises your monthly contribution each year by a percentage you choose. Explore how increasing contributions can shape your investment growth.
- Start with
₹100 - Build wealth
over time - Simple, quick
and easy to use
Your Step-up SIP Details
₹
₹100₹1L
%
0 %50 %
%
0 %30 %
years
1 years40 years
Your Results (Estimated)
₹65.08L
Estimated Returns
₹99.44L
Estimated Future Value
Investment Growth Over 20 Years
Total investedEstimated value
Year-wise Breakdown
| Year | Monthly SIP | Annual Investment | Cumulative Investment | Estimated Value (12%) |
|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹60,000 | ₹64,047 |
| 2 | ₹5,500 | ₹66,000 | ₹1.26L | ₹1.43L |
| 3 | ₹6,050 | ₹72,600 | ₹1.99L | ₹2.38L |
| 4 | ₹6,655 | ₹79,860 | ₹2.78L | ₹3.54L |
| 5 | ₹7,321 | ₹87,846 | ₹3.66L | ₹4.92L |
| 6 | ₹8,053 | ₹96,631 | ₹4.63L | ₹6.58L |
| 7 | ₹8,858 | ₹1.06L | ₹5.69L | ₹8.55L |
| 8 | ₹9,744 | ₹1.17L | ₹6.86L | ₹10.88L |
| 9 | ₹10,718 | ₹1.29L | ₹8.15L | ₹13.63L |
| 10 | ₹11,790 | ₹1.41L | ₹9.56L | ₹16.87L |
| 11 | ₹12,969 | ₹1.56L | ₹11.12L | ₹20.67L |
| 12 | ₹14,266 | ₹1.71L | ₹12.83L | ₹25.12L |
| 13 | ₹15,692 | ₹1.88L | ₹14.71L | ₹30.32L |
| 14 | ₹17,261 | ₹2.07L | ₹16.78L | ₹36.37L |
| 15 | ₹18,987 | ₹2.28L | ₹19.06L | ₹43.42L |
| 16 | ₹20,886 | ₹2.51L | ₹21.57L | ₹51.6L |
| 17 | ₹22,975 | ₹2.76L | ₹24.33L | ₹61.09L |
| 18 | ₹25,272 | ₹3.03L | ₹27.36L | ₹72.07L |
| 19 | ₹27,800 | ₹3.34L | ₹30.7L | ₹84.77L |
| 20 | ₹30,580 | ₹3.67L | ₹34.37L | ₹99.44L |
Illustration assuming 12% nominal annual return, compounded monthly, with contributions at the start of each month and a 10% increase after every 12 payments. Increases use unrounded amounts; displayed amounts are rounded, with L for lakh and Cr for crore. Returns are not guaranteed. Taxes, fees and inflation are excluded. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Regular SIP vs Step-up SIP
Both start at ₹5,000 per month for 20 years at 12% assumed annual return. Step-up SIP increases contributions by 10% each year; the regular SIP stays fixed.
Regular SIP
Final-year monthly SIP: ₹5,000
Total invested: ₹12L
Estimated returns: ₹37.96L
Estimated future value₹49.96LStep-up SIP
Final-year monthly SIP: ₹30,580
Total invested: ₹34.37L
Estimated returns: ₹65.08L
Estimated future value₹99.44LA Step-up SIP adds ₹22.36L in contributions and ₹49.49L in estimated future value. The difference reflects both additional investment and its assumed growth.
Monthly contribution in year n = initial monthly SIP × (1 + annual step-up / 100)⁽ⁿ⁻¹⁾. See each year’s contribution in the breakdown above.
How Step-up SIP Works
Start with an affordable amount, then increase it at each annual anniversary.
Choose your starting SIP
Set your monthly contribution from ₹100.
Set an annual increase
Choose the percentage to add each year.
Step up every year
₹5,000 at 10% becomes ₹5,500, then ₹6,050 per month.
Give it time
Compounding can have a greater effect over longer periods.
The model uses a constant monthly rate and contributions at the start of each month. Real markets do not grow in a straight line, and losses are possible. Learn more about mutual funds and long-term investing.
Benefits of Step-up SIP
A planned annual increase can help your contributions keep pace with a growing income while giving additional investments time to compound.
Start affordably
Begin with a monthly amount that fits your current budget.
Plan for income growth
Review your annual increase as your income and expenses change.
Build investing discipline
Use a regular review to keep contributions aligned with your goals.
Invest more over time
Additional contributions can support a larger corpus, subject to market performance.
Frequently Asked Questions
What is a Step-up SIP?
A Step-up SIP increases your monthly investment by a chosen percentage each year. In this calculator, the first increase happens after 12 monthly contributions.
How is the annual SIP increase calculated?
Each year’s monthly SIP equals the previous year’s monthly amount multiplied by one plus the step-up percentage. For example, ₹5,000 with a 10% step-up becomes ₹5,500 in year two and ₹6,050 in year three.
How does Step-up SIP compare with regular SIP?
A regular SIP keeps the monthly contribution constant. The comparison uses the same initial amount, duration and assumed return for both. A higher Step-up SIP estimate reflects additional contributions as well as their assumed growth.
Can I start with ₹100 or choose a 0% step-up?
The calculator accepts an initial monthly SIP from ₹100. With a 0% step-up, the projection matches a regular SIP. Actual fund minimums and available step-up options depend on the scheme and platform.
Are the estimated returns guaranteed?
No. The selected annual return is an illustration, not a forecast or recommendation. Markets fluctuate, losses are possible, and increasing contributions does not guarantee a profit.
What assumptions does the calculator use?
Contributions are invested at the beginning of each month with a constant nominal annual return divided by 12 for monthly compounding. Increases use unrounded amounts. Taxes, fees, exit loads, inflation, missed payments and withdrawals are excluded.
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