Financial calculators · Investments

Step-up SIP calculator

See how raising your SIP instalment by a fixed percentage every year changes the value you could build.

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Calculated from your inputs

Estimated value: ₹13,78,958.62
Total contributed: ₹9,56,245.48
Growth / interest: ₹4,22,713.15

Illustration

Contributed
Growth / interest

How this is calculated

Each instalment is invested at the start of its month, the convention of Indian SIP calculators and fund platforms. Nominal annual rate divided by 12, compounded monthly. Rates are assumptions, not forecasts. Taxes, exit loads and fund expenses are excluded. The instalment rises after every 12 instalments.

Defaults are editable examples, not current provider quotes. Results are rounded for display. These are scenarios from your inputs, not live market data or investment advice.

About the Step-up SIP calculator

A step-up SIP, also called a top-up SIP, increases the monthly instalment once a year by a percentage you choose. It lets the amount you invest keep pace with a rising income.

This calculator compares nothing for you; it adds up every stepped-up instalment and the growth on it at the return you enter.

How the Step-up SIP calculator works

For the first twelve months the instalment is the amount you enter. It then rises by the step-up percentage, stays there for twelve months, and rises again.

Each instalment is invested at the start of its month and compounds monthly at one twelfth of the annual return.

Worked example

Monthly investment: ₹5,000
Annual rate: 12%
Time period: 10 years
Annual contribution increase: 10%

Estimated value: ₹16,87,163.13
Total contributed: ₹9,56,245.48
Growth / interest: ₹7,30,917.66

Why use a Step-up SIP calculator?

See how much a small yearly increase adds compared with a flat SIP.
Match the step-up to an expected salary increase.
Check the total you will commit before you set up a top-up instruction.