₹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,
after 10 years
Invested amount
₹19,
Estimated returns
₹14,
+76% gain
| Year | Invested | Split | Returns | Total value |
|---|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 | |
| 2 | ₹2,52,000 | ₹33,241 | ₹2,85,241 | |
| 3 | ₹3,97,200 | ₹79,210 | ₹4,76,410 | |
| 4 | ₹5,56,920 | ₹1,50,403 | ₹7,07,323 | |
| 5 | ₹7,32,612 | ₹2,51,958 | ₹9,84,570 | |
| 6 | ₹9,25,873 | ₹3,89,861 | ₹13,15,734 | |
| 7 | ₹11,38,461 | ₹5,71,067 | ₹17,09,527 | |
| 8 | ₹13,72,307 | ₹8,03,649 | ₹21,75,956 | |
| 9 | ₹16,29,537 | ₹10,96,963 | ₹27,26,501 | |
| 10 | ₹19,12,491 | ₹14,61,835 | ₹33,74,326 |
What the numbers mean
A flat ₹10,000/month SIP for 10 years at 12% grows to ₹23,23,391. This 10% annual step-up SIP grows to ₹33,74,326 — ₹10,50,936 more, simply by increasing contributions in line with income growth. Compare with the SIP calculator.
A 15% annual step-up starting at ₹10,000/month for 10 years at 12% grows to roughly ₹41,18,727. The higher step-up rate significantly increases the corpus because each year's contributions are larger and still compound for the remaining years. Try it on the Step-Up SIP calculator.
Equity mutual fund gains held over 1 year are taxed at 12.5% LTCG, with the first ₹1.25 lakh exempt each financial year. On ₹14,61,835 in total gains, the estimated LTCG tax would be around ₹1,73,789. Use the LTCG calculator to estimate your exact liability.
At an 8% annual withdrawal rate (a common SWP assumption), your corpus of ₹33,74,326 can sustain withdrawals of roughly ₹22,496/month for approximately 20 years before the corpus depletes. Model it with the SWP calculator to choose the right withdrawal rate and duration.
SIP Calculator
Flat SIP at ₹10,000/month: ₹23.23L vs this step-up's ₹33.74L
Lumpsum Calculator
See how a one-time investment could grow at different return rates.
SWP Calculator
Turn ₹33.74L into ₹22,496/month for 20 years
STP Calculator
See how a Systematic Transfer Plan moves money from a debt fund into equity over time.
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.