Step-Up SIP Calculator
Estimate SIP returns with a yearly increase and optional initial lump sum investment (compounded monthly).
Up to ₹ 10,000 crore
Up to ₹ 10,000 crore
0% to 100%
0.1% to 100%
1 to 100 years
Year-by-Year Breakdown
| Year | Monthly SIP (₹) | Invested (₹) | Gain (₹) | Balance (₹) |
|---|---|---|---|---|
| Year 1 | 25,000 | 3,00,000 | 20,233 | 3,20,233 |
| Year 2 | 27,500 | 3,30,000 | 62,870 | 7,13,103 |
| Year 3 | 30,250 | 3,63,000 | 1,14,922 | 11,91,025 |
| Year 4 | 33,275 | 3,99,300 | 1,77,982 | 17,68,307 |
| Year 5 | 36,603 | 4,39,230 | 2,53,889 | 24,61,426 |
| Year 6 | 40,263 | 4,83,153 | 3,44,756 | 32,89,335 |
| Year 7 | 44,289 | 5,31,468 | 4,53,015 | 42,73,818 |
Estimates what a SIP grows to when you raise the monthly amount by a fixed percentage every year — the way contributions usually rise with income — with an optional lump sum at the start.
Understanding the result
Even a small yearly step-up makes a large difference over long periods, because each increase is invested for the rest of the term. Compare with a 0% step-up to see what the raises add.
The return is an assumption; market-linked investments do not grow at a steady rate.
For a tenure past a year, the year-by-year breakdown lists each year's monthly SIP, what you invest, what it gains and the balance at the year's end. Export CSV downloads it.
How to use it
- Initial investment — an optional lump sum at the start.
- Monthly SIP amount — what you invest each month in the first year.
- Annual step-up — the yearly increase in the monthly amount, from 0% to 100%. It applies after every 12 months.
- Expected annual return — from 0.1% to 100%.
- Investment duration — in years (1 to 100) or months (1 to 1,200).
How it works
Each year of instalments is valued like an ordinary SIP — invested at the start of every month, compounded monthly at the annual return ÷ 12 — then compounded for the years that remain. The monthly amount then rises by the step-up for the next year. A final part-year uses the amount for that year. Results are rounded to the nearest rupee.
Examples
₹25,000 a month, stepped up 10% a year, 10 years at 12%
You invest ₹ 47,81,227, growing to about ₹ 84,35,816. Without the step-up the same SIP reaches ₹ 58,08,477.
The effect of a step-up
| Step-up | 10 years | 20 years |
|---|---|---|
| 0% | ₹ 23,23,391 | ₹ 99,91,479 |
| 5% | ₹ 27,86,942 | ₹ 1,37,37,623 |
| 10% | ₹ 33,74,326 | ₹ 1,98,88,715 |
| 15% | ₹ 41,18,727 | ₹ 3,02,55,942 |
See also
- SIP Calculator — when the monthly amount stays the same.
- Inflation Calculator — what today's goal will cost when your SIP matures.