SIP Calculator
Project the value of a monthly SIP over your chosen investment horizon.
Financial calculator
Step-Up SIP Calculator
Model a SIP that increases by a fixed percentage every year, with a year-wise instalment schedule and a comparison against a flat SIP.
This calculator is for illustrative and educational purposes only. Actual investment returns may vary. Investments are subject to market risks.
Your inputs
₹500₹5,00,000
025
Year 1: ₹20,000/month → Year 2: ₹22,000/month
130
Returns are not guaranteed.
140
Every figure above is an assumption you control. Change any of them to see how the projection responds.
Estimated results
Estimated future value
₹1,73,67,699
Starting at ₹20,000 a month and stepping up 10% each year, reaching ₹75,950 a month in year 15.
Total invested
₹76,25,396
Estimated growth
₹97,42,303
56% of the projected corpus
Final year instalment
₹75,950
Monthly amount in the last year of the plan
Without any step-up
₹1,00,91,520
A flat SIP would project ₹72,76,179 less
How your monthly instalment rises
Projected growth over time
The lower band is your own contribution, which itself grows each year because of the step-up.
Year-wise investment schedule
| Year | Monthly instalment | Invested this year | Total invested | Projected value |
|---|---|---|---|---|
| 1 | ₹20,000 | ₹2,40,000 | ₹2,40,000 | ₹2,56,187 |
| 2 | ₹22,000 | ₹2,64,000 | ₹5,04,000 | ₹5,70,483 |
| 3 | ₹24,200 | ₹2,90,400 | ₹7,94,400 | ₹9,52,820 |
| 4 | ₹26,620 | ₹3,19,440 | ₹11,13,840 | ₹14,14,646 |
| 5 | ₹29,282 | ₹3,51,384 | ₹14,65,224 | ₹19,69,141 |
| 6 | ₹32,210 | ₹3,86,522 | ₹18,51,746 | ₹26,31,468 |
| 7 | ₹35,431 | ₹4,25,175 | ₹22,76,921 | ₹34,19,054 |
| 8 | ₹38,974 | ₹4,67,692 | ₹27,44,613 | ₹43,51,911 |
| 9 | ₹42,872 | ₹5,14,461 | ₹32,59,074 | ₹54,53,001 |
| 10 | ₹47,159 | ₹5,65,907 | ₹38,24,982 | ₹67,48,653 |
Assumptions behind this calculation
Nothing here is hidden. Change any assumption in the inputs panel and the projection updates immediately.
- Expected annual return
- 12%
- Assumed constant across the whole period.
- Step-up timing
- Once a year, on the anniversary
- The instalment rises by the chosen percentage at the start of each new year.
- Income growth
- Assumed to support the step-up
- A step-up only works if your income and cash flow can absorb the higher instalment.
- Costs and taxes
- Not deducted
हे नाव तुमच्या PDF सारांशावर छापले जाईल. ते कुठेही साठवले किंवा पाठवले जात नाही. PDF सारांश इंग्रजीत असतो.
Important information
Results shown are estimates based on the inputs and assumptions selected by you. They are provided for educational and illustrative purposes only and should not be considered financial advice, investment advice, or a guarantee of future returns. Actual results may vary.
Investments are subject to market risks. Past performance may or may not be indicative of future performance. Returns are not guaranteed. Please read all scheme-related documents carefully and invest in line with your own goals and risk appetite.
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संपत्तीची उभारणी. भविष्याची सुरक्षा.
Discuss what this number means for you
A projection is arithmetic. Whether the figure is achievable, appropriate and sensibly invested is a conversation — and that is where our team can help.
गुंतवणूक बाजारातील जोखमींच्या अधीन आहे. परताव्याची हमी नाही. कोणतीही चर्चा शैक्षणिक स्वरूपाची असते आणि ती कोणतेही आर्थिक उत्पादन खरेदी किंवा विक्री करण्याची शिफारस नाही.