Step-Up SIP Calculator
See how increasing your monthly SIP by a fixed percentage every year can boost your long-term returns, with a year-by-year breakdown of contributions, returns, and balance.
Total value
12% p.a.₹99.44 Lakhs
₹99,44,358
after 20 years
Invested amount
₹34.37 Lakhs
₹34,36,500
Estimated returns
₹65.08 Lakhs
₹65,07,858
+189% gain
Inflation-adjusted value
₹31.01 Lakhs
₹31,00,698
in today's ₹, at 6% inflation| Year | Invested | Split | Returns | Total value |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 | |
| 2 | ₹1,26,000 | ₹16,621 | ₹1,42,621 | |
| 3 | ₹1,98,600 | ₹39,605 | ₹2,38,205 | |
| 4 | ₹2,78,460 | ₹75,201 | ₹3,53,661 | |
| 5 | ₹3,66,306 | ₹1,25,979 | ₹4,92,285 | |
| 6 | ₹4,62,937 | ₹1,94,930 | ₹6,57,867 | |
| 7 | ₹5,69,230 | ₹2,85,533 | ₹8,54,764 | |
| 8 | ₹6,86,153 | ₹4,01,824 | ₹10,87,978 | |
| 9 | ₹8,14,769 | ₹5,48,482 | ₹13,63,250 | |
| 10 | ₹9,56,245 | ₹7,30,918 | ₹16,87,163 | |
| 11 | ₹11,11,870 | ₹9,55,388 | ₹20,67,258 | |
| 12 | ₹12,83,057 | ₹12,29,114 | ₹25,12,171 | |
| 13 | ₹14,71,363 | ₹15,60,420 | ₹30,31,783 | |
| 14 | ₹16,78,499 | ₹19,58,896 | ₹36,37,395 | |
| 15 | ₹19,06,349 | ₹24,35,576 | ₹43,41,925 | |
| 16 | ₹21,56,984 | ₹30,03,144 | ₹51,60,128 | |
| 17 | ₹24,32,682 | ₹36,76,172 | ₹61,08,854 | |
| 18 | ₹27,35,950 | ₹44,71,381 | ₹72,07,332 | |
| 19 | ₹30,69,545 | ₹54,07,950 | ₹84,77,496 | |
| 20 | ₹34,36,500 | ₹65,07,858 | ₹99,44,358 |
Frequently asked questions
₹5,000/Month Step-Up SIP for 10 Years (10% Annual Increase)
Grows to ₹16.87L in 10 yrs
₹5,000/Month Step-Up SIP for 20 Years (10% Annual Increase)
Grows to ₹99.44L in 20 yrs
₹10,000/Month Step-Up SIP for 10 Years (10% Annual Increase)
Grows to ₹33.74L in 10 yrs
₹10,000/Month Step-Up SIP for 20 Years (10% Annual Increase)
Grows to ₹1.99Cr in 20 yrs
₹15,000/Month Step-Up SIP for 15 Years (10% Annual Increase)
Grows to ₹1.3Cr in 15 yrs
₹15,000/Month Step-Up SIP for 25 Years (10% Annual Increase)
Grows to ₹6.41Cr in 25 yrs
Advanced SIP Calculator
Model step-up SIPs, inflation, post-tax capital gains, a return sensitivity grid, and a realistic return range, all in one SIP planning tool.
STP Calculator
See how a Systematic Transfer Plan moves money from a debt fund into equity over time.
MF Returns Calculator
Estimate mutual fund returns for both lump sum and SIP investment modes.
XIRR Calculator
Calculate the annualised return on SIP or irregular investments using the XIRR method.
This calculator starts your SIP at ₹5,000/month, increases it by 10% every year (reaching ₹30,580/month by year 20), and assumes a constant 12% annual return compounded monthly. Actual mutual fund returns fluctuate with the market and are never guaranteed. Use this as a planning estimate, not a promise. Part of our mutual fund calculator suite, see all mutual fund calculators.