INVESTMENT TOOLS
Step-Up SIP Calculator
Calculate the impact of increasing your SIP every year.
Your SIP increases by this % every year
Final Corpus
₹33,40,917
Total Invested
₹19,12,491Estimated Returns
₹14,28,426Year 1 Monthly SIP:₹10,000
Final Year Monthly SIP:₹23,579
Year-Wise Investment Summary
| Year | Monthly SIP | Annual Invested | Corpus | Annual Returns |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,26,825 | ₹6,825 |
| 2 | ₹11,000 | ₹1,32,000 | ₹2,82,417 | ₹23,592 |
| 3 | ₹12,100 | ₹1,45,200 | ₹4,71,693 | ₹44,076 |
| 4 | ₹13,310 | ₹1,59,720 | ₹7,00,320 | ₹68,907 |
| 5 | ₹14,641 | ₹1,75,692 | ₹9,74,822 | ₹98,811 |
| 6 | ₹16,105 | ₹1,93,261 | ₹13,02,707 | ₹1,34,624 |
| 7 | ₹17,716 | ₹2,12,587 | ₹16,92,601 | ₹1,77,307 |
| 8 | ₹19,487 | ₹2,33,846 | ₹21,54,411 | ₹2,27,964 |
| 9 | ₹21,436 | ₹2,57,231 | ₹26,99,505 | ₹2,87,863 |
| 10 | ₹23,579 | ₹2,82,954 | ₹33,40,917 | ₹3,58,458 |
What This Means
Step-up SIP is ideal if you expect your income to grow. You start with a small SIP and increase it every year by a fixed percentage. This helps you invest more as your earning capacity increases, while compounding works on your earlier investments.
Key Assumptions
- • Annual step-up is applied at the beginning of each year
- • Returns are calculated monthly and compounded
- • The expected return rate is assumed to be constant
- • No taxes or fees are deducted
Disclaimer: These are hypothetical returns based on assumed rates. Actual market returns vary and are not guaranteed. This calculator is for educational purposes only. Consult a financial advisor before making investment decisions.