Step-up SIP Calculator
See how raising your SIP every year grows your wealth compared with a flat SIP.
Your SIP
| Total invested | ₹38,12,698 |
| Total gains | ₹44,62,020 |
| Flat SIP would end at | ₹47,59,314 |
| Extra from stepping up | ₹35,15,404 |
| Maturity value | ₹82,74,718 |
Where the value comes from
| Total invested | ₹38,12,698 |
| Gains | ₹44,62,020 |
Maturity value₹82,74,718
Step-up vs flat SIP growth
Year-by-year schedule
| Year | Monthly SIP | Invested so far | Value | Flat SIP value |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,27,665 | ₹1,27,665 |
| 2 | ₹11,000 | ₹2,52,000 | ₹2,83,416 | ₹2,70,650 |
| 3 | ₹12,100 | ₹3,97,200 | ₹4,71,901 | ₹4,30,793 |
| 4 | ₹13,310 | ₹5,56,920 | ₹6,98,451 | ₹6,10,153 |
| 5 | ₹14,641 | ₹7,32,612 | ₹9,69,179 | ₹8,11,036 |
| 6 | ₹16,105 | ₹9,25,873 | ₹12,91,087 | ₹10,36,025 |
| 7 | ₹17,716 | ₹11,38,461 | ₹16,72,183 | ₹12,88,013 |
| 8 | ₹19,487 | ₹13,72,307 | ₹21,21,628 | ₹15,70,240 |
| 9 | ₹21,436 | ₹16,29,537 | ₹26,49,885 | ₹18,86,334 |
| 10 | ₹23,579 | ₹19,12,491 | ₹32,68,898 | ₹22,40,359 |
| 11 | ₹25,937 | ₹22,23,740 | ₹39,92,296 | ₹26,36,867 |
| 12 | ₹28,531 | ₹25,66,114 | ₹48,35,615 | ₹30,80,956 |
| 13 | ₹31,384 | ₹29,42,725 | ₹58,16,556 | ₹35,78,336 |
| 14 | ₹34,523 | ₹33,56,998 | ₹69,55,277 | ₹41,35,401 |
| 15 | ₹37,975 | ₹38,12,698 | ₹82,74,718 | ₹47,59,314 |
Common questions
What is a step-up SIP?
A SIP whose monthly amount rises by a set percentage every year, usually in step with your salary. Starting with ₹10,000 and a 10% step-up, you invest ₹11,000 a month in the second year.
Why does a step-up SIP build so much more than a flat SIP?
You invest more each year, and the extra money compounds too. The calculator runs both side by side so you can see the gap grow year by year.
How does the calculator apply the return?
Your yearly return is turned into the equivalent monthly rate, and each instalment is invested at the start of the month, as mutual fund SIPs are.