Calculator
Step-Up SIP Calculator
SIP remains constant. Step-Up SIP increases the investment periodically — usually in line with your income.
₹
%
yrs
%
Total invested
₹38,12,698
Estimated returns
₹48,71,152
Final corpus
₹86,83,849
Compared with a constant SIP of ₹10,000, stepping up adds ₹36,38,089 to your final corpus.
Wealth growth
Amount investedTotal value
Yearly SIP progression
₹10,000 → ₹11,000 → ₹12,100 → ₹13,310 → …
| Year | Monthly SIP | Invested this year |
|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 |
| 2 | ₹11,000 | ₹1,32,000 |
| 3 | ₹12,100 | ₹1,45,200 |
| 4 | ₹13,310 | ₹1,59,720 |
| 5 | ₹14,641 | ₹1,75,692 |
| 6 | ₹16,105 | ₹1,93,261 |
| 7 | ₹17,716 | ₹2,12,587 |
| 8 | ₹19,487 | ₹2,33,846 |
| 9 | ₹21,436 | ₹2,57,231 |
| 10 | ₹23,579 | ₹2,82,954 |
| 11 | ₹25,937 | ₹3,11,249 |
| 12 | ₹28,531 | ₹3,42,374 |
| 13 | ₹31,384 | ₹3,76,611 |
| 14 | ₹34,523 | ₹4,14,273 |
| 15 | ₹37,975 | ₹4,55,700 |
How this works
The SIP stays the same for 12 months, then increases by your step-up percentage at the start of each new year. Each monthly instalment is invested at the start of the month and compounds at the annual return ÷ 12.