₹5,000/Month Step-Up SIP for 20 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 20 years at 12% p.a.
Starting at ₹5,000/month with a 10% annual step-up for 20 years grows to ₹99,44,358 — ₹49,48,618 more than a flat ₹5,000/month SIP (₹49,95,740) for the same period. Your contribution in year 20 reaches ₹30,580/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
- 20 years
Total value
12% p.a.₹99,
after 20 years
Invested amount
₹34,
Estimated returns
₹65,
+189% gain
| Year | Invested | Split | Returns | Total value |
|---|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 | |
| 2 | ₹1,26,000 | ₹16,621 | ₹1,42,621 | |
| 3 | ₹1,98,600 | ₹39,605 | ₹2,38,205 | |
| 4 | ₹2,78,460 | ₹75,201 | ₹3,53,661 | |
| 5 | ₹3,66,306 | ₹1,25,979 | ₹4,92,285 | |
| 6 | ₹4,62,937 | ₹1,94,930 | ₹6,57,867 | |
| 7 | ₹5,69,230 | ₹2,85,533 | ₹8,54,764 | |
| 8 | ₹6,86,153 | ₹4,01,824 | ₹10,87,978 | |
| 9 | ₹8,14,769 | ₹5,48,482 | ₹13,63,250 | |
| 10 | ₹9,56,245 | ₹7,30,918 | ₹16,87,163 | |
| 11 | ₹11,11,870 | ₹9,55,388 | ₹20,67,258 | |
| 12 | ₹12,83,057 | ₹12,29,114 | ₹25,12,171 | |
| 13 | ₹14,71,363 | ₹15,60,420 | ₹30,31,783 | |
| 14 | ₹16,78,499 | ₹19,58,896 | ₹36,37,395 | |
| 15 | ₹19,06,349 | ₹24,35,576 | ₹43,41,925 | |
| 16 | ₹21,56,984 | ₹30,03,144 | ₹51,60,128 | |
| 17 | ₹24,32,682 | ₹36,76,172 | ₹61,08,854 | |
| 18 | ₹27,35,950 | ₹44,71,381 | ₹72,07,332 | |
| 19 | ₹30,69,545 | ₹54,07,950 | ₹84,77,496 | |
| 20 | ₹34,36,500 | ₹65,07,858 | ₹99,44,358 |
What the numbers mean
A flat ₹5,000/month SIP for 20 years at 12% grows to ₹49,95,740. This 10% annual step-up SIP grows to ₹99,44,358 — ₹49,48,618 more, simply by increasing contributions in line with income growth. Compare with the SIP calculator.
A 15% annual step-up starting at ₹5,000/month for 20 years at 12% grows to roughly ₹1,51,27,971. 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 ₹65,07,858 in total gains, the estimated LTCG tax would be around ₹8,29,772. Use the LTCG calculator to estimate your exact liability.
At an 8% annual withdrawal rate (a common SWP assumption), your corpus of ₹99,44,358 can sustain withdrawals of roughly ₹66,296/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 ₹5,000/month: ₹49.96L vs this step-up's ₹99.44L
Lumpsum Calculator
See how a one-time investment could grow at different return rates.
SWP Calculator
Turn ₹99.44L into ₹66,296/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.