Step-up SIP calculator
Grow your SIP as your income grows.
Raise your SIP every year with your income and see the difference.
₹
₹500₹2 L
%
1%50%
%
1%30%
yrs
1 yrs40 yrs
Invested
₹38,12,698
Estimated gains
₹48,71,152
Flat SIP would give
₹50,45,760
Estimated value after 15 years
₹86,83,849
₹36.38 L more than a flat SIP
View year-by-year table
| Year | Amount invested | Estimated value |
|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹2,52,000 | ₹2,85,241 |
| 3 | ₹3,97,200 | ₹4,76,410 |
| 4 | ₹5,56,920 | ₹7,07,323 |
| 5 | ₹7,32,612 | ₹9,84,570 |
| 6 | ₹9,25,873 | ₹13,15,734 |
| 7 | ₹11,38,461 | ₹17,09,527 |
| 8 | ₹13,72,307 | ₹21,75,956 |
| 9 | ₹16,29,537 | ₹27,26,501 |
| 10 | ₹19,12,491 | ₹33,74,326 |
| 11 | ₹22,23,740 | ₹41,34,516 |
| 12 | ₹25,66,114 | ₹50,24,342 |
| 13 | ₹29,42,725 | ₹60,63,565 |
| 14 | ₹33,56,998 | ₹72,74,790 |
| 15 | ₹38,12,698 | ₹86,83,849 |
Illustrative only, based on the rates you enter; returns are not guaranteed. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How to use it
- 1Enter the SIP you can start with today.
- 2Choose how much you will raise it each year, for example in line with your salary hike.
- 3Compare the result with a flat SIP of the same starting amount.
The formula
Simulated month by month: V = (V + P) × (1 + i). P rises by the step-up % after every 12 instalments.
Questions
Many investors match their expected salary increase, typically 5 to 15%. Even a 10% annual step-up can make the final corpus much larger than a flat SIP.
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