Investments

Step-Up SIP Calculator

Estimate how a SIP may grow when you increase the contribution every year. Use either a percentage increase or a fixed amount and compare the projection with keeping the starting contribution unchanged.

Increase by percentage

Invested

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Est. Total Wealth

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How the Step-Up SIP estimate works

The calculator adds the selected investment at the beginning of each monthly or yearly period, applies the expected return, and increases the contribution after each completed year. The chart separates what you contribute from projected growth.

Starting contribution

The amount invested in the first month or first year of the scenario.

Annual step-up

Increase the next year's contribution by a percentage or a fixed rupee amount.

Projected return

Every contribution compounds using the annual return assumption you enter.

Worked Step-Up SIP example

Starting at ₹10,000 monthly, increasing the SIP by 10% each year, and assuming 12% annual return for 15 years gives the following projection:

Total invested
₹38,12,698
Extra vs fixed SIP
₹36,38,089
Estimated wealth
₹86,83,849

Use the result as a capacity check

Try a step-up that matches a realistic increase in your disposable income. A higher step-up can materially increase the projection, but it also commits you to larger future contributions. Test a conservative and an optimistic scenario before choosing a target.

The estimate does not include fund expenses, taxes, exit loads, missed contributions or market volatility.

Frequently asked questions

Is the expected return guaranteed?

No. It is a planning assumption. Market-linked returns can be higher or lower and can vary significantly over time.

Percentage or fixed-amount step-up?

A percentage produces progressively larger increases. A fixed amount raises the contribution by the same rupee value each year.

What does extra wealth mean?

It is the projected difference between the rising-contribution scenario and continuing the original contribution without an annual increase.