₹5,000/Month Step-Up SIP for 10 Years (10% Annual Increase)
See the maturity value and year-by-year growth of a ₹5,000/month step-up SIP that increases by 10% each year, invested for 10 years at 12% p.a.
Starting at ₹5,000/month with a 10% annual step-up for 10 years grows to ₹16,87,163, ₹5,25,468 more than a flat ₹5,000/month SIP (₹11,61,695) for the same period. Your contribution in year 10 reaches ₹11,790/month, meaning the step-up effect compounds as both the return rate and the contribution size grow simultaneously.
- Initial monthly investment
- ₹5,000
- Annual step-up
- 10% per year
- Expected return rate
- 12% p.a.
- Time period
- 10 years
Total value
12% p.a.₹16.87 Lakhs
₹16,87,163
after 10 years
Invested amount
₹9.56 Lakhs
₹9,56,245
Estimated returns
₹7.31 Lakhs
₹7,30,918
+76% gain
Inflation-adjusted value
₹9.42 Lakhs
₹9,42,103
in today's ₹, at 6% inflation| Year | Invested | Split | Returns | Total value |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 | |
| 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.