Step-up SIP calculator.
Most people's income rises and their SIP does not. Raising it by even 10% a year changes the ending far more than picking a better fund ever will.
₹
%
Match it to your raise. Even 10% a year changes the ending enormously.
yrs
%
After that time
₹43.4 L
Against ₹25.2 L if you never raised it. By the last year you would be investing ₹20,886 a month.
Year 15 · You put in ₹19.1 L · Growth ₹24.4 L
You put inGrowth
- You put in
- ₹19,06,349
- Growth adds
- ₹24,35,576
- Without raising it
- ₹25.2 L
- The difference
- ₹18.2 L
How it adds up
- The first month₹5,000
- thenUp 10% a year, the last month₹18,987
- equalsYou put in₹19,06,349
- plusGrowth at 12%₹24,35,576
- equalsYou end up with₹43,41,925
What this assumes
The increase happens once a year on the anniversary, and the return is steady throughout.
Rules and rates from
- AMFI (mutual fund investor education) (opens in a new tab)
- Standard compound-growth maths; no official rate involved
Education only, not investment, tax or legal advice. I am not a SEBI-registered investment adviser.
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