Step-up SIP calculator
See the effect of increasing your SIP every year as your income grows.
Increase your monthly SIP by this percentage every year.
Estimated value₹86.84 L
- Amount invested
- ₹38.13 L
- Estimated gains
- ₹48.71 L
Breakdown
- Amount invested
- Estimated gains
- Y1: ₹1,28,093
- Y2: ₹2,85,241
- Y3: ₹4,76,410
- Y4: ₹7,07,323
- Y5: ₹9,84,570
- Y6: ₹13,15,734
- Y7: ₹17,09,527
- Y8: ₹21,75,956
- Y9: ₹27,26,501
- Y10: ₹33,74,326
- Y11: ₹41,34,516
- Y12: ₹50,24,342
- Y13: ₹60,63,565
- Y14: ₹72,74,790
- Y15: ₹86,83,849
View year-by-year values
| 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 |
What is a step-up SIP?
A step-up (top-up) SIP raises the monthly instalment by a set percentage once a year. The calculator compounds each month’s instalment and increases the instalment after every 12 months.
Returns are assumed constant for illustration. Market-linked investments do not earn fixed returns; past performance does not indicate future results.