INVEST · CALCULATOR
Step-up SIP Calculator
See how raising your SIP a little every year (as your salary grows) changes the final corpus compared with a flat SIP.
Breakdown
Growth over time
Year by year
How this is calculated
Each year the monthly SIP rises by the step-up %. Every instalment compounds monthly at the expected return until the end of the period.
What the letters mean: P = first monthly SIP, s = yearly step-up, i = yearly return ÷ 12, n = months. SIP in year k = P × (1 + s)^(k − 1).
Timing: Instalments are paid at the start of each month; the step-up applies after every 12 instalments.
Default values: Starting monthly SIP: ₹10,000 · Annual step-up: 10 % · Expected return (p.a.): 12 % · Time period: 15 yrs
Results are estimates, not investment or tax advice. Real returns go up and down; interest rates, taxes and charges change the actual amount. Please check with a CA or the income tax portal before filing.