₹10,000/Month Step-Up SIP for 20 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 20 years at 12% p.a.
Starting at ₹10,000/month with a 10% annual step-up for 20 years grows to ₹1,98,88,715 — ₹98,97,236 more than a flat ₹10,000/month SIP (₹99,91,479) for the same period. Your contribution in year 20 reaches ₹61,159/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
- 20 years
Total value
12% p.a.₹1,
after 20 years
Invested amount
₹68,
Estimated returns
₹1,
+189% 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 | |
| 11 | ₹22,23,740 | ₹19,10,776 | ₹41,34,516 | |
| 12 | ₹25,66,114 | ₹24,58,227 | ₹50,24,342 | |
| 13 | ₹29,42,725 | ₹31,20,840 | ₹60,63,565 | |
| 14 | ₹33,56,998 | ₹39,17,792 | ₹72,74,790 | |
| 15 | ₹38,12,698 | ₹48,71,152 | ₹86,83,849 | |
| 16 | ₹43,13,968 | ₹60,06,289 | ₹1,03,20,256 | |
| 17 | ₹48,65,364 | ₹73,52,344 | ₹1,22,17,708 | |
| 18 | ₹54,71,901 | ₹89,42,762 | ₹1,44,14,663 | |
| 19 | ₹61,39,091 | ₹1,08,15,900 | ₹1,69,54,991 | |
| 20 | ₹68,73,000 | ₹1,30,15,716 | ₹1,98,88,715 |
What the numbers mean
A flat ₹10,000/month SIP for 20 years at 12% grows to ₹99,91,479. This 10% annual step-up SIP grows to ₹1,98,88,715 — ₹98,97,236 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 20 years at 12% grows to roughly ₹3,02,55,942. 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 ₹1,30,15,716 in total gains, the estimated LTCG tax would be around ₹16,75,793. Use the LTCG calculator to estimate your exact liability.
At an 8% annual withdrawal rate (a common SWP assumption), your corpus of ₹1,98,88,715 can sustain withdrawals of roughly ₹1,32,591/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: ₹99.91L vs this step-up's ₹1.99Cr
Lumpsum Calculator
See how a one-time investment could grow at different return rates.
SWP Calculator
Turn ₹1.99Cr into ₹1,32,591/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 20 years. Actual mutual fund returns are market-linked and not guaranteed.