₹15,000/Month Step-Up SIP for 15 Years (10% Annual Increase)
See the maturity value and year-by-year growth of a ₹15,000/month step-up SIP that increases by 10% each year, invested for 15 years at 12% p.a.
Starting at ₹15,000/month with a 10% annual step-up for 15 years grows to ₹1,30,25,774 — ₹54,57,134 more than a flat ₹15,000/month SIP (₹75,68,640) for the same period. Your contribution in year 15 reaches ₹56,962/month, meaning the step-up effect compounds as both the return rate and the contribution size grow simultaneously.
- Initial monthly investment
- ₹15,000
- Annual step-up
- 10% per year
- Expected return rate
- 12% p.a.
- Time period
- 15 years
Total value
12% p.a.₹1,
after 15 years
Invested amount
₹57,
Estimated returns
₹73,
+128% gain
| Year | Invested | Split | Returns | Total value |
|---|---|---|---|---|
| 1 | ₹1,80,000 | ₹12,140 | ₹1,92,140 | |
| 2 | ₹3,78,000 | ₹49,862 | ₹4,27,862 | |
| 3 | ₹5,95,800 | ₹1,18,815 | ₹7,14,615 | |
| 4 | ₹8,35,380 | ₹2,25,604 | ₹10,60,984 | |
| 5 | ₹10,98,918 | ₹3,77,938 | ₹14,76,856 | |
| 6 | ₹13,88,810 | ₹5,84,791 | ₹19,73,601 | |
| 7 | ₹17,07,691 | ₹8,56,600 | ₹25,64,291 | |
| 8 | ₹20,58,460 | ₹12,05,473 | ₹32,63,933 | |
| 9 | ₹24,44,306 | ₹16,45,445 | ₹40,89,751 | |
| 10 | ₹28,68,736 | ₹21,92,753 | ₹50,61,489 | |
| 11 | ₹33,35,610 | ₹28,66,164 | ₹62,01,774 | |
| 12 | ₹38,49,171 | ₹36,87,341 | ₹75,36,512 | |
| 13 | ₹44,14,088 | ₹46,81,260 | ₹90,95,348 | |
| 14 | ₹50,35,497 | ₹58,76,688 | ₹1,09,12,185 | |
| 15 | ₹57,19,047 | ₹73,06,727 | ₹1,30,25,774 |
What the numbers mean
A flat ₹15,000/month SIP for 15 years at 12% grows to ₹75,68,640. This 10% annual step-up SIP grows to ₹1,30,25,774 — ₹54,57,134 more, simply by increasing contributions in line with income growth. Compare with the SIP calculator.
A 15% annual step-up starting at ₹15,000/month for 15 years at 12% grows to roughly ₹1,77,52,837. 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 ₹73,06,727 in total gains, the estimated LTCG tax would be around ₹9,33,625. Use the LTCG calculator to estimate your exact liability.
At an 8% annual withdrawal rate (a common SWP assumption), your corpus of ₹1,30,25,774 can sustain withdrawals of roughly ₹86,838/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 ₹15,000/month: ₹75.69L vs this step-up's ₹1.3Cr
Lumpsum Calculator
See how a one-time investment could grow at different return rates.
SWP Calculator
Turn ₹1.3Cr into ₹86,838/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 15 years. Actual mutual fund returns are market-linked and not guaranteed.