Step-Up SIP Calculator
What a SIP grows to when you raise the monthly amount every year, next to a SIP that stays the same, with the total invested and the gain.
Result
Value at the end: ₹33,74,326.26Estimate
A projection at a steady return. Mutual fund returns are not guaranteed and change every year.
- Total invested
- ₹19,12,490.95Estimate
- Gain
- ₹14,61,835.31Estimate
- Value without the step-up
- ₹23,23,390.76Estimate
- Extra from stepping up
- ₹10,50,935.50Estimate
- Monthly SIP in the final year
- ₹23,579.48Estimate
https://calcgallery.com/investment-returns/step-up-sip-calculator/
Results are arithmetic on the returns, rates and horizons you enter, not a forecast and not investment, tax or retirement advice. The site supplies no expected return, inflation rate, contribution limit, tax rate or withdrawal rate. Real returns vary from year to year, and fees, taxes and the order of returns all change the outcome. Check anything that matters with a qualified adviser. Read the full disclaimer
How to use the Step-Up SIP Calculator
- Enter the monthly SIP you start with.
- Enter how much you will raise it each year, as a percentage, and the yearly return you expect.
- Enter how many years you will keep investing.
- Read the value at the end, what you invested, and how much more the step-up gives than a SIP that stays flat.
The calculation
The page builds the SIP one month at a time, which is the only way to handle an instalment that changes every year.
instalment in year y = starting SIP × (1 + step-up)^(y − 1)each month: value = (value + instalment) × (1 + yearly return ÷ 12)Investing at the start of the month means each instalment earns that month’s growth. A flat SIP worked out the same way is shown for comparison. The difference between the two is what the step-up adds.
What it leaves out
The return you enter is taken to be after the fund’s expense ratio. Exit loads, and capital gains tax when you redeem, are not deducted.
With your numbers
- Each instalment goes in at the start of the month and grows at a twelfth of the yearly return each month
- The instalment rises by the step-up percentage every twelve months
Quick reference
A projection at a steady return. Mutual fund returns are not guaranteed and change every year.
| Example | Value at the end |
|---|---|
| ₹10,000, 10% step-up, 12%, 10 years | ₹33,74,326.26 |
| ₹1,000, 10% step-up, 10%, 5 years | ₹93,551.02 |
| ₹5,000, no step-up, 12%, 15 years | ₹25,22,880.00 |
| ₹5,000, 5% step-up, 12%, 20 years | ₹68,68,811.64 |
| ₹25,000, 10% step-up, 11%, 25 years | ₹9,34,70,762.44 |
| ₹2,000, 15% step-up, 12%, 15 years | ₹23,67,044.92 |
Common questions about the Step-Up SIP Calculator
- What is a step-up SIP?
- A SIP whose monthly amount goes up once a year, usually by a fixed percentage, so your investment keeps pace with a rising salary. Most fund houses let you set the step-up when you start, and some call it a top-up SIP.
- How does this match the AMFI calculator?
- It uses the same method: each instalment is invested at the start of the month and grows at a twelfth of the yearly return each month. With AMFI's default inputs, ₹1,000 a month rising 10% a year at 10% for 5 years, both give about ₹93,551.
- Is the expected return realistic?
- It is your assumption. Equity funds have had good and bad decades, and no fund returns the same every year. A steady return gives a single tidy number; real returns move around it, and the order of good and bad years changes the result. Try a few rates to see the range.
- How much difference does the step-up make?
- The page shows the value of a flat SIP of the same starting amount beside the stepped-up one. Over long periods the step-up often matters more than a percentage point or two of return, because the later, larger instalments still have years to grow.