Step-up SIP calculator

Raise your SIP as your income grows, and see how much more that builds than a flat SIP.

Estimated value

₹86,83,849

You invest: ₹38,12,698
Extra over a flat SIP: ₹36,38,089
Final monthly SIP: ₹37,975

Invested₹38,12,69844%
Gain₹48,71,15256%

Value at the end of each year InvestedGain

Year by year

Year	Invested	Gain	Value
1	₹1,20,000	₹8,093	₹1,28,093
2	₹2,52,000	₹33,241	₹2,85,241
3	₹3,97,200	₹79,210	₹4,76,410
4	₹5,56,920	₹1,50,403	₹7,07,323
5	₹7,32,612	₹2,51,958	₹9,84,570
6	₹9,25,873	₹3,89,861	₹13,15,734
7	₹11,38,461	₹5,71,067	₹17,09,527
8	₹13,72,307	₹8,03,649	₹21,75,956
9	₹16,29,537	₹10,96,963	₹27,26,501
10	₹19,12,491	₹14,61,835	₹33,74,326
11	₹22,23,740	₹19,10,776	₹41,34,516
12	₹25,66,114	₹24,58,227	₹50,24,342
13	₹29,42,725	₹31,20,840	₹60,63,565
14	₹33,56,998	₹39,17,792	₹72,74,790
15	₹38,12,698	₹48,71,152	₹86,83,849

How it's worked out

The monthly amount stays the same for 12 months, then rises by your chosen percentage. Everything else works like a normal SIP, with each instalment compounding monthly from the start of its month.

The formulaEach year's SIP = last year's SIP × (1 + step-up). Balance each month = (balance + SIP) × (1 + yearly return ÷ 12).

Common questions

How much should I raise it by?

A common rule is to match your annual pay rise, so your savings rate holds as your income grows. Even a 5% step-up makes a visible difference over 15 years or more.

Do fund houses let me do this automatically?

Most offer a top-up or step-up option when you set up a SIP. You can also start a second SIP each year for the extra amount.

Work out the SIP for a specific goal

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Illustrative figures only, from the numbers you enter and the assumptions stated above. Rates and rules change, so check them with the provider or a qualified adviser before acting. Arthscan is not a SEBI-registered research analyst or investment adviser, and nothing here is investment advice.