Step-up SIP calculator
A SIP that increases every year by a percentage or a fixed amount.
Your inputs
What do you want to find?
Step up by
Advanced settings
Increase the SIP
0 means no limit.
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
| What do you want to find? | Future value |
|---|---|
| Starting monthly SIP | ₹5,000 |
| Step up by | Percentage |
| Yearly step-up | 10% |
| Expected return (per year) | 12% |
| Time period | 15 years |
| Increase the SIP | Every year |
| Maximum monthly SIP | ₹0 |
| 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
₹41,37,359
- Amount invested
- ₹19,06,349
- Estimated gains
- ₹22,31,010
- Value in today's money
- ₹17,26,375
- After 6% yearly inflation
- SIP in the final year
- ₹18,987
- More than a flat SIP
- ₹17,57,702
- A flat SIP would reach ₹23,79,657
- Amount invested₹19,06,349(46%)
- Estimated gains₹22,31,010(54%)
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 | ₹66,000 | ₹1,26,000 | ₹11,876 | ₹1,41,708 | ₹1,26,120 |
| 3 | ₹72,600 | ₹1,98,600 | ₹21,642 | ₹2,35,950 | ₹1,98,109 |
| 4 | ₹79,860 | ₹2,78,460 | ₹33,415 | ₹3,49,226 | ₹2,76,619 |
| 5 | ₹87,846 | ₹3,66,306 | ₹47,518 | ₹4,84,590 | ₹3,62,114 |
| 6 | ₹96,631 | ₹4,62,937 | ₹64,323 | ₹6,45,543 | ₹4,55,083 |
| 7 | ₹1,06,294 | ₹5,69,230 | ₹84,255 | ₹8,36,092 | ₹5,56,049 |
| 8 | ₹1,16,923 | ₹6,86,153 | ₹1,07,799 | ₹10,60,814 | ₹6,65,568 |
| 9 | ₹1,28,615 | ₹8,14,769 | ₹1,35,513 | ₹13,24,942 | ₹7,84,231 |
| 10 | ₹1,41,477 | ₹9,56,245 | ₹1,68,030 | ₹16,34,449 | ₹9,12,668 |
| 11 | ₹1,55,625 | ₹11,11,870 | ₹2,06,074 | ₹19,96,148 | ₹10,51,546 |
| 12 | ₹1,71,187 | ₹12,83,057 | ₹2,50,472 | ₹24,17,808 | ₹12,01,576 |
| 13 | ₹1,88,306 | ₹14,71,363 | ₹3,02,165 | ₹29,08,278 | ₹13,63,514 |
| 14 | ₹2,07,136 | ₹16,78,499 | ₹3,62,224 | ₹34,77,639 | ₹15,38,163 |
| 15 | ₹2,27,850 | ₹19,06,349 | ₹4,31,870 | ₹41,37,359 | ₹17,26,375 |
Assumptions and method
Formula
- FV = P · ((1 + i)^n − 1) / i · (1 + i) (payment at start of month)
- Step-up by %: SIP_k = P · (1 + s)^k
- Step-up by ₹: SIP_k = P + s · k (k = completed step periods)
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).
- SIP steps up 10% every 12 months.
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
A step-up SIP increases your monthly instalment every year (or every six months), usually in line with your salary. Even a 10% yearly increase can make the final corpus much larger than a flat SIP of the same starting amount.
Choose a percentage or a fixed rupee step, how often it applies, and an optional cap on the monthly amount. The chart compares the step-up SIP with a flat SIP of the starting amount.
Frequently asked questions
How much should I step up?
Many investors match their expected salary growth, typically 5–10% a year. A step-up you can sustain matters more than a high number.
What does the cap do?
Once the stepped-up SIP reaches the cap, it stays at the cap for the remaining months.
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.