₹10,000/Month Step-Up SIP for 10 Years (10% Annual Increase)
See the maturity value and year-by-year growth of a ₹10,000/month step-up SIP that increases by 10% each year, invested for 10 years at 12% p.a.
Starting at ₹10,000/month with a 10% annual step-up for 10 years grows to ₹33,74,326, ₹10,50,936 more than a flat ₹10,000/month SIP (₹23,23,391) for the same period. Your contribution in year 10 reaches ₹23,579/month, meaning the step-up effect compounds as both the return rate and the contribution size grow simultaneously.
- Initial monthly investment
- ₹10,000
- Annual step-up
- 10% per year
- Expected return rate
- 12% p.a.
- Time period
- 10 years
Total value
12% p.a.₹33.74 Lakhs
₹33,74,326
after 10 years
Invested amount
₹19.12 Lakhs
₹19,12,491
Estimated returns
₹14.62 Lakhs
₹14,61,835
+76% gain
Inflation-adjusted value
₹18.84 Lakhs
₹18,84,206
in today's ₹, at 6% inflation| Year | Invested | Split | Returns | Total value |
|---|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 | |
| 2 |
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.
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XIRR Calculator
Calculate the annualised return on SIP or irregular investments using the XIRR method.
This calculator assumes the monthly investment increases by 10% at the start of each year, compounded monthly at 12% p.a. over 10 years. Actual mutual fund returns are market-linked and not guaranteed.