SIP with top-ups
A regular SIP plus occasional lumpsum top-ups.
Your inputs
Added at the start of each year from year 2, e.g. a bonus.
Advanced settings
How the yearly return is applied
Most apps divide the yearly return by 12, which shows about 3.5% more over 10 years. We use the effective rate by default, so 12% means 12% a year.
Payment timing
Adjusts for inflation so you can see real purchasing power.
Capital-gains tax if you redeem everything at the end (tax year 2026-27 rules).
Results
Generated on 11 Oct 2026
Your inputs
| Monthly SIP | ₹5,000 |
|---|---|
| Initial lumpsum | ₹0 |
| Top-up every year | ₹25,000 |
| Expected return (per year) | 12% |
| Time period | 10 years |
| How the yearly return is applied | Effective (12% = 12% a year) |
| Payment timing | Start of month |
| Inflation (per year) | 6% |
| Show values in today's money | ✓ |
| Show value after tax | — |
Total value
₹15,33,898
- Amount invested
- ₹8,25,000
- Estimated gains
- ₹7,08,898
- Value in today's money
- ₹8,56,521
- After 6% yearly inflation
- Total top-ups
- ₹2,25,000
- Extra value from top-ups
- ₹4,13,718
- Amount invested₹8,25,000(54%)
- Estimated gains₹7,08,898(46%)
See how a different amount, return or period changes the result, side by side.
Year-by-year breakdown
| Year | Invested in year | Total invested | Growth in year | Value at year end | In today's money |
|---|---|---|---|---|---|
| 1 | ₹60,000 | ₹60,000 | ₹3,832 | ₹63,832 | ₹60,219 |
| 2 | ₹85,000 | ₹1,45,000 | ₹14,492 | ₹1,63,325 | ₹1,45,359 |
| 3 | ₹85,000 | ₹2,30,000 | ₹26,431 | ₹2,74,756 | ₹2,30,691 |
| 4 | ₹85,000 | ₹3,15,000 | ₹39,803 | ₹3,99,560 | ₹3,16,489 |
| 5 | ₹85,000 | ₹4,00,000 | ₹54,780 | ₹5,39,339 | ₹4,03,026 |
| 6 | ₹85,000 | ₹4,85,000 | ₹71,553 | ₹6,95,892 | ₹4,90,577 |
| 7 | ₹85,000 | ₹5,70,000 | ₹90,340 | ₹8,71,232 | ₹5,79,419 |
| 8 | ₹85,000 | ₹6,55,000 | ₹1,11,380 | ₹10,67,612 | ₹6,69,833 |
| 9 | ₹85,000 | ₹7,40,000 | ₹1,34,946 | ₹12,87,558 | ₹7,62,104 |
| 10 | ₹85,000 | ₹8,25,000 | ₹1,61,339 | ₹15,33,898 | ₹8,56,521 |
Assumptions and method
Formula
- FV = P · ((1 + i)^n − 1) / i · (1 + i) (payment at start of month)
- Top-up T in month k: FV = T · (1 + i)^(n − k)
Conventions used
- Monthly rate: i = (1 + r)^(1/12) − 1 (Effective (12% = 12% a year))
- Money moves at the start of each month, so an instalment earns that month's return.
Modelling notes
- Real values deflate by (1 + 0.06)^(months/12).
- Top-ups are added in the month given, with the same timing as the SIP.
Not included
- Market ups and downs: the same return is assumed every month.
- Expense ratio, exit load and stamp duty, unless your expected return already allows for them.
- Income tax on gains (turn on the post-tax option to estimate it).
This is an illustration based on the return you entered. Actual returns vary and may be lower or negative.
Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How it works
Add occasional lumpsums, such as an annual bonus, to a regular SIP. Each top-up is invested in the month you choose and compounds from then on, with the same timing as the SIP.
You can also start with an initial lumpsum, and add a recurring top-up every year.
Frequently asked questions
When is a top-up invested?
In the month you enter, counted from the start of the SIP (month 1 is the first SIP month), with the same start-of-month or end-of-month timing as the SIP.
Is a top-up different from a step-up?
A step-up raises the monthly SIP itself. A top-up is a one-off extra amount in a particular month.
Why is your SIP value lower than Groww or ET Money?
Most apps convert a yearly return to a monthly one by dividing by 12 (r/12), which quietly compounds to more than the rate you typed: 12% becomes 12.68% a year. We use the effective monthly rate (1 + r)^(1/12) − 1 by default, so 12% means exactly 12% a year. Over 10 years the difference is about 3.5%. You can switch to the r/12 convention under Advanced settings to match other apps.