Growth & Investing
SIP Step-up Calculator
Starting monthly SIP₹10,000
Annual step-up10%
Expected annual return12%
Investment period15 years
Estimated value
₹86,83,849
at the end of 15 years
Total invested
₹38,12,698
Wealth gained
₹48,71,152
A SIP Step-up (also called a SIP TopUp) increases your monthly contribution by a fixed percentage every year, letting your investment grow in line with your income rather than staying flat. This calculator compounds each year's contribution monthly at 1/12th of your chosen annual return, adding the step-up at the start of every 12-month block. The figures shown are illustrative projections at a constant assumed rate of return — actual mutual fund returns fluctuate with markets, are never guaranteed, and this tool does not constitute investment advice.