Step-up SIP calculator
A step-up SIP raises your instalment by a set percentage every year, usually in line with your increment. It is the highest-value change most salaried investors can make, and it costs nothing today — the first increase is twelve months away.
Most people can raise their SIP roughly in line with their annual increment without feeling it.
Value after 20 years
₹1,98,88,715
Final instalment: ₹61,159 a month
You invest
₹68,73,000
Growth
₹1,30,15,716
How it builds up
What the step-up is worth
How the increase is applied
- The instalment rises once every twelve months, on the anniversary. It stays flat within each year.
- Most fund houses support this as an automatic “top-up SIP” instruction, so you do not have to remember to raise it. If yours does not, a diary note in April works.
- Increases compound too — a 10% annual step-up more than doubles the instalment over eight years, so check the final figure is one you could realistically sustain.
Important — This calculator is an illustration based on the assumptions you enter. It is not a projection or guarantee of returns, and it does not account for exit loads, stamp duty or the taxes payable on redemption. Actual returns will differ. Please consult us before acting on any figure shown here.
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