Nominal projection
Future value using the expected annual return.
- Maturity value
- ₹85,97,870.72
- Final monthly SIP
- ₹37,974.98
Investment tool
Step-Up SIP Calculator
Estimate how increasing your monthly SIP every year can affect long-term investment value, total contribution, and inflation- adjusted outcomes.
Annual step-up
Raise the monthly SIP each year.
Monthly compounding
Return is applied month by month.
Inflation view
Optionally estimate today-value results.
Projected value
₹85,97,870.72
Total invested
₹38,12,697.80
Estimated returns
₹47,85,172.92
Inflation-adjusted view
Projected value discounted by the inflation assumption.
- Today-value estimate
- ₹35,87,591.05
- Inflation assumption
- 6%
Year-by-year projection
| Year | Monthly SIP | Annual investment | Year-end value |
|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,26,825.03 |
| 2 | ₹11,000 | ₹1,32,000 | ₹2,82,417.15 |
| 3 | ₹12,100 | ₹1,45,200 | ₹4,71,693 |
| 4 | ₹13,310 | ₹1,59,720 | ₹7,00,319.6 |
| 5 | ₹14,641 | ₹1,75,692 | ₹9,74,822.18 |
| 6 | ₹16,105.1 | ₹1,93,261.2 | ₹13,02,707.01 |
| 7 | ₹17,715.61 | ₹2,12,587.32 | ₹16,92,601.14 |
| 8 | ₹19,487.17 | ₹2,33,846.05 | ₹21,54,411.44 |
| 9 | ₹21,435.89 | ₹2,57,230.66 | ₹26,99,505.45 |
| 10 | ₹23,579.48 | ₹2,82,953.72 | ₹33,40,917.09 |
| 11 | ₹25,937.42 | ₹3,11,249.1 | ₹40,93,580.47 |
| 12 | ₹28,531.17 | ₹3,42,374 | ₹49,74,595.55 |
| 13 | ₹31,384.28 | ₹3,76,611.41 | ₹60,03,530.05 |
| 14 | ₹34,522.71 | ₹4,14,272.55 | ₹72,02,762.33 |
| 15 | ₹37,974.98 | ₹4,55,699.8 | ₹85,97,870.72 |
Showing the full projection for up to 15 years.
This estimate is for education only. It is not investment advice, a recommendation, or a guaranteed return.
Methodology
The calculator applies the starting SIP amount for the first 12 months, increases it by the step-up percentage at each new year, and compounds the portfolio monthly using the expected annual return divided by 12.
Inflation-adjusted value discounts the projected maturity value by the provided annual inflation rate over the investment duration. This is an educational estimate, not investment advice.
FAQs
What is a step-up SIP?
A step-up SIP increases the monthly investment amount at a planned annual rate, often to match salary growth or savings capacity.
When is the SIP increased?
This calculator increases the SIP amount at the start of each new investment year.
Is the projected value guaranteed?
No. The projection uses a constant expected return assumption for education. Actual market returns will vary.
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