Step Up SIP Calculator

Calculate your returns with yearly increasing SIP investments

Minimum ₹500 per month
Percentage increase in SIP amount every year
Historical market returns range between 12-15% p.a.
Recommended minimum period is 5 years
Investment Summary
Total Investment

₹0

Est. Returns

₹0

Maturity Value

₹0

Year-wise Investment Breakdown

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Year Monthly SIP Yearly Investment Interest Earned Total Value Growth %
Year 1 ₹5,000 ₹60,000 ₹4,047 ₹64,047 6.74%
Year 2 ₹5,500 ₹66,000 ₹12,574 ₹1,42,621 9.67%
Year 3 ₹6,050 ₹72,600 ₹22,984 ₹2,38,205 10.68%
Year 4 ₹6,655 ₹79,860 ₹35,596 ₹3,53,661 11.19%
Year 5 ₹7,321 ₹87,846 ₹50,778 ₹4,92,285 11.5%
Total - ₹3,66,306 ₹1,25,979 ₹4,92,285 34.39%

Understanding Step-Up SIP

A Step-up SIP allows you to increase your monthly investment amount every year, helping you invest more as your income grows.

Key Benefits

  • Increase investments in line with income growth
  • Build a larger corpus through higher investments
  • Better wealth creation potential
  • Flexibility to choose step-up percentage

Investment Strategy

  • Start early to maximize benefits
  • Choose a realistic step-up rate
  • Align step-up with expected income growth
  • Consider long-term investment horizon

Example Calculation

If you start with a monthly SIP of ₹10,000 and increase it by 10% every year:

  • Year 1: ₹10,000 per month (₹1,20,000 per year)
  • Year 2: ₹11,000 per month (₹1,32,000 per year)
  • Year 3: ₹12,100 per month (₹1,45,200 per year)
  • And so on...