₹15,000/Month Step-Up SIP for 25 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 25 years at 12% p.a.
Starting at ₹15,000/month with a 10% annual step-up for 25 years grows to ₹6,41,33,192, ₹3,56,68,665 more than a flat ₹15,000/month SIP (₹2,84,64,526) for the same period. Your contribution in year 25 reaches ₹1,47,746/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
- 25 years
Total value
12% p.a.₹6.41 Crores
₹6,41,33,192
after 25 years
Invested amount
₹1.77 Crore
₹1,77,02,471
Estimated returns
₹4.64 Crores
₹4,64,30,721
+262% gain
Inflation-adjusted value
₹1.49 Crore
₹1,49,42,946
in today's ₹, at 6% inflation| Year | Invested | Split | Returns | Total value |
|---|---|---|---|---|
| 1 | ₹1,80,000 | ₹12,140 | ₹1,92,140 | |
| 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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This calculator assumes the monthly investment increases by 10% at the start of each year, compounded monthly at 12% p.a. over 25 years. Actual mutual fund returns are market-linked and not guaranteed.