₹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.₹99.44 Lakhs
₹99,44,358
after 20 years
Invested amount
₹34.37 Lakhs
₹34,36,500
Estimated returns
₹65.08 Lakhs
₹65,07,858
+189% gain
Inflation-adjusted value
₹31.01 Lakhs
₹31,00,698
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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MF Returns Calculator
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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 20 years. Actual mutual fund returns are market-linked and not guaranteed.