Returns
Step up SIP calculator
Step up SIP calculator: a SIP that rises every year, against a regular one, with the later payments.
- The answer updates as you type
Step-up SIP future value
₹32,68,898
Estimated value: ₹32,68,898.48
That is ₹10,28,539.59 more than a regular SIP. ₹7,12,490.95 is your own extra money. ₹3,16,048.63 is extra growth at the return you entered.
How we calculate: your yearly return becomes an exact monthly rate, so 12% a year grows by 12% in a year. Each payment counts from the start of its month. You can change both above.
An illustration from your inputs. Real returns go up and down. Before tax and fees.
Plan retirement with these starting inputs → Carries the starting payment, yearly percentage rise, return, inflation and timing. Choose ages there.
Open this percentage rise in the SIP calculator → Carries your payment, yearly percentage rise, years, return, inflation and timing.
How much is your money, and how much is growth?
The bottom of each bar is what you paid in, and the top is growth at your rate.
- Paid in
- Growth
The rate is your own guess.
Year 10 · Paid in ₹19,12,490.95 · Growth ₹13,56,407.53 · Value ₹32,68,898.48 · In today's money ₹18,25,335.84
Step up SIP calculator: year by year
| Year | Monthly SIP | Paid in by then | Step-up value | Regular SIP value |
|---|---|---|---|---|
| 1 | ₹10,000.00 | ₹1,20,000.00 | ₹1,27,664.98 | ₹1,27,664.98 |
| 2 | ₹11,000.00 | ₹2,52,000.00 | ₹2,83,416.25 | ₹2,70,649.76 |
| 3 | ₹12,100.00 | ₹3,97,200.00 | ₹4,71,900.83 | ₹4,30,792.71 |
| 4 | ₹13,310.00 | ₹5,56,920.00 | ₹6,98,451.02 | ₹6,10,152.81 |
| 5 | ₹14,641.00 | ₹7,32,612.00 | ₹9,69,179.43 | ₹8,11,036.13 |
| 6 | ₹16,105.10 | ₹9,25,873.20 | ₹12,91,086.69 | ₹10,36,025.44 |
| 7 | ₹17,715.61 | ₹11,38,460.52 | ₹16,72,183.39 | ₹12,88,013.47 |
| 8 | ₹19,487.17 | ₹13,72,306.57 | ₹21,21,628.33 | ₹15,70,240.07 |
| 9 | ₹21,435.89 | ₹16,29,537.23 | ₹26,49,884.95 | ₹18,86,333.85 |
| 10 | ₹23,579.48 | ₹19,12,490.95 | ₹32,68,898.48 | ₹22,40,358.90 |
Each file lists the source and the check date for every rate. The CSV comes as two files, the figures and their sources.
Your inputs, both plans and every year, from the same calculation.
The link carries only these inputs. Saved inputs stay in this browser only, and are off until you turn them on.
Try one change
Each button changes exactly one input and says what that did to the headline figure. Reset undoes it.
How it adds up
A worked example
The same sum, worked by hand on the starting figures.
Worked example, with the arithmetic shown
Start with ₹10,000.00 a month for 10 years. Raise it by 10% after every 12 payments. Assume 12% yearly return and 6% inflation. These are the calculator's starting inputs.
| Step | Working | Result |
|---|---|---|
| Monthly rate | (1 + 12%)^(1/12) − 1 | 0.9489% |
| Step-up future value | Add each payment at month-start, then grow it at the monthly rate | ₹32,68,898.48 |
| Money invested | Sum every payment in the ledger | ₹19,12,490.95 |
| Regular SIP future value | Keep the payment at ₹10,000.00 with the same rate and timing | ₹22,40,358.90 |
| Extra money invested | ₹19,12,490.95 − ₹12,00,000.00 | ₹7,12,490.95 |
| Extra growth | Extra balance ₹10,28,539.59, less extra money ₹7,12,490.95 | ₹3,16,048.63 |
The final-year monthly payment is ₹23,579.48. The step-up balance is ₹18,25,335.84 in today's money. The rise changes what you pay. It does not change the return.
Read the result
Understand the result
Step up SIP calculator shows what happens when your monthly payment rises each year. SIP means systematic investment plan. It is a way to invest a fixed sum at set times. A step-up plan raises that sum. This page compares it with a regular SIP at the same return.
The bigger balance has two parts: your extra money and the growth on it. The page shows both. It also shows your monthly payment in the final year. Check that payment against a budget you can keep. The return is an assumption. A larger payment does not promise a larger return.
What a step-up SIP means
A step-up SIP is also called a top-up SIP. Here your payment rises once every 12 payments. Choose a percentage or a fixed rupee amount.
Rise by a percentage or by rupees
A percentage rise grows from last year's payment. A rupee rise adds the same amount each year. The year table shows what each choice asks you to pay.
How the formula works
The ledger adds each monthly payment and grows the balance at the chosen rate. It raises the payment after each block of 12 payments. It keeps full precision and rounds only the displayed figures.
Use a rise you can afford
The final balance assumes you make every later payment. This page does not know how your income will change. Test a lower return and check the final-year payment too.
What could change this?
- The yearly rise. A larger rise means bigger later payments.
- The return you assume. Test a weaker return too.
- Payment timing. Start-of-month gives each payment an extra month of growth.
Common mistakes
- Treating a rise in payment as a higher return.
- Calling all of the extra balance growth. Much of it is your own money.
- Checking the first payment but missing the much bigger later payments.
Questions
Questions people ask
Step up SIP calculator FAQ
What is a step-up SIP calculator?
It estimates a SIP whose payment rises over time. You choose a starting payment, a yearly rise, a period and a return. It shows the final balance and the later payments. The rise changes how much you invest. It does not change the return.
What is the difference between a percentage and a fixed-amount step-up?
A percentage rise grows with the last payment. A fixed rupee rise adds the same amount each year. Use the two tabs to compare their payment schedules. The choices in a real plan depend on the fund and platform.
When does the annual SIP increase happen?
Here the first rise comes after 12 payments, at month 13. A real plan may rise on a calendar date instead. That can change the schedule a little.
How do I know whether my step-up SIP will stay affordable?
Look at the later payments as well as the first one. The tile shows the final-year monthly payment. Compare it with a budget you can keep. Your income may not rise at the same pace.
Does a step-up SIP earn a higher return than a normal SIP?
No. Both plans here use the same return. The balance is bigger partly because you put in more money. Compare the money paid, the growth and the full schedule.
Can I cap or change my SIP increase later?
Some funds offer a cap or a change, but the rules vary. Check your fund or platform. The rise here has no cap. Changing a number here does not change your real SIP.
Does a 10% annual step-up mean my investment earns 10%?
No. The step-up is how fast your payment grows. The return is a separate assumption about the investment. Your payment still rises in a year when the fund falls.
Will increasing my SIP beat inflation or reach my goal?
Not by itself. It can help you save more. Success still depends on what you invest, the time, real returns and inflation. Test a weaker return too. The today's-money row shows what the final balance might buy.
Keep learning
Where to go from here
Step up SIP vs regular SIP with ₹10,000 a month for 10 years: how much of the extra is your own money, how much is growth, and the year 10 payment.
Read the lesson Then thisSWP calculator for monthly withdrawalsThe other end of the plan: money coming out each month, fixed or rising, and how long it lasts.
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Method, sources and limits
What this calculator does and does not do
What this calculator does
- Projects a SIP that rises each year by a percentage or by rupees.
- Compares it with a regular SIP at the same return.
- Splits the extra balance into your extra money and extra growth.
What it does not do
- Predict a return. The rate is your assumption.
- Take off tax, exit loads or fund charges.
- Know whether your income will rise with the payments.
Show the method and assumptions
The method
- Your yearly return becomes an exact monthly rate: (1 + return)^(1/12) − 1.
- The payment rises once every 12 payments, by a percentage or by a fixed rupee amount.
- By default each payment is made at the start of its month.
- A regular SIP with the same return is worked out beside it.
What it assumes
- The return you type stays the same every month. It is not a forecast.
- Tax, exit loads and fund charges are not taken off.
- Today's money uses the inflation rate you type.
Sources, effective dates and exclusions
- Calculated on
- today
No published rate or date goes into this sum. Every figure is one you type.
Not included
- Live market prices. Every price here is one you type.
- Exit load and the fund's expense ratio.
- Tax on the gain. Every figure here is before tax.
Paper Trading Try it on the practice trading desk