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RupeeTree

Step-up SIP Calculator

See what a SIP that rises every year could grow to — and how much more it builds than keeping the same amount.

Many people match this to their yearly pay rise.

years

Estimated value

₹86,83,849

Amount invested
₹38,12,698₹38.13 lakh
Estimated returns
₹48,71,152₹48.71 lakh
Monthly SIP in the final year
₹37,975
Extra compared with a flat SIP
₹36,38,089₹36.38 lakh
What your final amount is made of
  • Invested₹38,12,698 (43.9%)
  • Returns₹48,71,152 (56.1%)
Step-up SIP against a flat SIPStep-up SIPFlat SIP of ₹10,000

Year-by-year growth

YearMonthly SIPInvestedReturnsValue
Year 1₹10,000₹1,20,000₹8,093₹1,28,093
Year 2₹11,000₹2,52,000₹33,241₹2,85,241
Year 3₹12,100₹3,97,200₹79,210₹4,76,410
Year 4₹13,310₹5,56,920₹1,50,403₹7,07,323
Year 5₹14,641₹7,32,612₹2,51,958₹9,84,570
Year 6₹16,105₹9,25,873₹3,89,861₹13,15,734
Year 7₹17,716₹11,38,461₹5,71,067₹17,09,527
Year 8₹19,487₹13,72,307₹8,03,649₹21,75,956
Year 9₹21,436₹16,29,537₹10,96,963₹27,26,501
Year 10₹23,579₹19,12,491₹14,61,835₹33,74,326
Year 11₹25,937₹22,23,740₹19,10,776₹41,34,516
Year 12₹28,531₹25,66,114₹24,58,227₹50,24,342
Year 13₹31,384₹29,42,725₹31,20,840₹60,63,565
Year 14₹34,523₹33,56,998₹39,17,792₹72,74,790
Year 15₹37,975₹38,12,698₹48,71,152₹86,83,849

How to use this calculator

  1. Enter your monthly SIP for the first year.
  2. Choose a yearly step-up, as a percentage (%) or a fixed amount (₹).
  3. Enter the yearly return you expect and the number of years.
  4. Read the estimated value, and the Compare chart to see the gain over a flat SIP.

How step-up SIP value is calculated

Each year is a 12-month SIP at that year's amount. The value at the end of each year grows for a further 12 months, and the next year's instalments are added:

Valuey = Valuey−1 × (1 + r)12 + Py × [((1 + r) 12 − 1) ÷ r] × (1 + r)

Py is the monthly instalment in year y and r the monthly return (yearly return ÷ 12 ÷ 100). Instalments are invested at the start of each month, as on the SIP calculator, so a 0% step-up gives exactly the same answer.

Example: ₹10,000 a month, rising 10% a year, at 12% for 15 years. In the final year you invest ₹37,975 a month; in total you put in ₹38,12,698 and the estimated value is₹86,83,849.

Frequently asked questions

What is a step-up SIP?

A step-up (or top-up) SIP is a monthly mutual fund investment that rises once a year, by a percentage or a fixed amount. Most fund houses let you set this up when you start the SIP, so the increase happens automatically.

How much difference does stepping up make?

Starting at ₹10,000 a month and stepping up 10% a year at 12% for 15 years could grow to ₹86.84 lakh. A flat SIP of ₹10,000 would reach ₹50.46 lakh — so stepping up adds about ₹36.38 lakh.

Percentage or fixed-amount step-up — which is better?

A percentage step-up grows faster over time because each rise is bigger than the last. Over 15 years at 12%, a 10% step-up reaches ₹86.84 lakh, while adding a fixed ₹1,000 a month each year reaches ₹75.09 lakh. Pick what your income can keep up with.

What step-up rate should I choose?

Many people match it to their expected pay rise. Even a smaller step-up helps: at 5% a year the same SIP could reach ₹65.31 lakh.

Are these returns guaranteed?

No. Mutual fund returns change from year to year; the calculator assumes a steady return. At 8% instead of 12%, the 10% step-up SIP would grow to about ₹64.16 lakh.

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Last updated . For information only — not financial advice. Check the final figures with your lender or bank.