Step-up SIP calculator
Raise your monthly SIP once a year — for example when your salary goes up — and see what it changes.
Example result
- Total invested
- ₹38,12,698
- Estimated gains
- ₹48,71,152
- Estimated value
- ₹86,83,849
Year-by-year
| Year | Monthly SIP | Invested | Value |
|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹11,000 | ₹2,52,000 | ₹2,85,241 |
| 3 | ₹12,100 | ₹3,97,200 | ₹4,76,410 |
| 4 | ₹13,310 | ₹5,56,920 | ₹7,07,323 |
| 5 | ₹14,641 | ₹7,32,612 | ₹9,84,570 |
| 6 | ₹16,105 | ₹9,25,873 | ₹13,15,734 |
| 7 | ₹17,716 | ₹11,38,461 | ₹17,09,527 |
| 8 | ₹19,487 | ₹13,72,307 | ₹21,75,956 |
| 9 | ₹21,436 | ₹16,29,537 | ₹27,26,501 |
| 10 | ₹23,579 | ₹19,12,491 | ₹33,74,326 |
| 11 | ₹25,937 | ₹22,23,740 | ₹41,34,516 |
| 12 | ₹28,531 | ₹25,66,114 | ₹50,24,342 |
| 13 | ₹31,384 | ₹29,42,725 | ₹60,63,565 |
| 14 | ₹34,523 | ₹33,56,998 | ₹72,74,790 |
| 15 | ₹37,975 | ₹38,12,698 | ₹86,83,849 |
How this is calculated
The monthly instalment is raised by the step-up percentage once every 12 months: in year k (starting at 1) it is P × (1 + s)k−1. Every instalment is invested at the start of its month and grows at i = annual rate ÷ 12.
Value = Σk=1..Y P(1 + s)k−1 × [((1 + i)12 − 1) ÷ i] × (1 + i) × (1 + i)12(Y−k)
With a 0% step-up, this equals the plain SIP result.
Questions
When does the step-up apply?
FID raises the monthly amount once every 12 months, starting from the second year. A 10% step-up on ₹10,000 means ₹11,000 a month in year two and ₹12,100 in year three.
Is a step-up SIP a separate product?
Many fund houses let you add a yearly top-up to an existing SIP mandate. You can also do it manually by starting an additional SIP each year. The maths is the same either way.
What step-up percentage is realistic?
A common approach is to link it to your expected salary increase, so your savings rate stays steady as income grows. Choose a figure you can sustain in a weak year too.
Estimates for educational purposes only. Not financial, tax or investment advice.