See how step-ups accelerate your SIP wealth quickly. Adjust return, tenure, and annual increase rate. Get investment totals, gains, and future value instantly here.
| Initial Monthly SIP | Step-Up | Return | Years | Timing | Total Invested | Future Value | Estimated Gain |
|---|---|---|---|---|---|---|---|
| ₨10,000 | 10% | 12% | 10 | End | ₨1,912,490.95 | ₨3,238,172.14 | ₨1,325,681.18 |
| ₨5,000 | 5% | 10% | 15 | End | ₨1,294,713.82 | ₨2,631,405.87 | ₨1,336,692.05 |
| ₨20,000 | 15% | 14% | 8 | Beginning | ₨3,294,436.58 | ₨5,322,669.93 | ₨2,028,233.35 |
A step-up SIP increases the monthly contribution once each year. For year y, the monthly SIP is:
The expected annual return is converted into an effective monthly rate:
The future value is computed by simulating monthly compounding with contributions. For end-of-month contributions:
For beginning-of-month contributions, the contribution is added before compounding:
Estimated gain = Future Value − Total Invested. Optional after-tax and inflation adjustments are simplified estimates for planning.
A step-up SIP increases your monthly amount each year instead of staying flat. If you start at 10,000 per month and raise it 10% yearly, year 1 stays 10,000, year 2 becomes 11,000, and year 5 reaches 14,641. This calculator applies the step-up once per year and then compounds monthly, matching how most long-term plans are tracked.
Annual returns are converted to an effective monthly rate, so compounding is smooth across months. With a 12% expected annual return, the equivalent monthly rate is about 0.95%. Whether you contribute at the beginning or end of the month matters: beginning contributions earn one extra month of growth, which increases the final value over long tenures.
Higher step-ups raise both the potential outcome and the capital you commit. Over 10 years, a flat 10,000 SIP invests 1,200,000. With a 10% step-up, the cumulative investment becomes much larger because later years contribute more. The year-wise schedule shows invested (year) and invested (cumulative) so you can see exactly when the contribution curve steepens.
Gain is future value minus total invested, helping you separate market growth from savings effort. The optional tax field applies a simple tax percentage to gains only, producing an after-tax value for planning. The calculator also estimates an annualized IRR from monthly cash flows, useful when comparing a step-up SIP against other recurring investment strategies.
Long horizons should be viewed in real terms. If you enter a 6% inflation rate and plan for 15 years, the “today’s money” figure deflates the final value by inflation’s compounding effect. This doesn’t change the invested amounts; it helps you interpret what the ending corpus could buy in current purchasing-power terms.
Use the schedule to align contributions with income growth. If your step-up is 5%, but your income grows 10%, you may be able to increase the step-up and reach your target sooner. If returns are uncertain, run scenarios by lowering the return rate and comparing the gap between invested and value across years. Export results to share with advisors or family.
It increases your monthly SIP once every year by the chosen percentage, so later-year contributions are higher than the starting amount.
Beginning-of-month contributions compound for one extra month each cycle, so the ending value is typically higher than end-of-month contributions for the same inputs.
The calculator converts the expected annual return into an effective monthly rate using compounding, then applies that rate to the running balance each month.
It estimates the final corpus in today’s purchasing power by deflating the future value using the inflation rate over the selected number of years.
It applies your tax percentage only to the estimated gains, then subtracts that tax from the projected future value to show an after-tax estimate.
Yes. Run multiple cases with different returns and step-ups, compare invested versus value by year, and export the table to discuss assumptions with others.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.