Investing
Step-Up SIP Calculator
See how raising your SIP a little every year changes where you could end up.
Estimated value
Illustration₹82,74,718
After 15 years at an assumed 12% a year.
- Invested
- ₹38,12,698
- Estimated growth
- ₹44,62,020
- SIP in the final year
- ₹37,975
- per month
In plain words
Raising ₹10,000 by 10% a year takes the SIP to ₹37,975 a month by year 15. At an assumed 12% a year that could add about ₹35.15 L compared with keeping it flat.
With and without the step-up
- Added by stepping up
- ₹35,15,404
- Compared with a flat SIP
- Flat SIP could reach
- ₹47,59,314
- ₹18,00,000 invested
Your monthly SIP, year by year
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01Method
How this is calculated
The same formulas run on the server and in your browser, documented in plain language. Every assumption is shown beside the result and you can change it.
- Default assumptions reviewed
- 4 Oct 2026
- Formula version
- 1.0.0
The annual return you enter is treated as an effective yearly rate, so twelve monthly steps compound to exactly that rate. Some calculators divide the annual rate by 12 instead, which shows slightly higher values.
i = (1 + r)^(1/12) − 1
The SIP stays the same for twelve months, then rises — by a percentage of the previous amount or by a fixed rupee amount. Each year’s instalments compound for the months that remain.
SIP in year k = P × (1 + s)^k or P + k × A
The same starting SIP without step-ups is calculated alongside, so the difference shows what the step-ups add on their own.
To see what a future amount could buy at today’s prices, it is divided by the growth in prices over the same period at the inflation rate you set.
value today = future value ÷ (1 + inflation)^years
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
02Questions
Good to know
More about how our tools work: all tool questions.
03Keep exploring
Understand first. Invest second.
Terms to know
- Step-up SIPAn SIP whose instalment rises at set intervals — usually yearly, by a fixed amount or percentage — so investing keeps pace with income.
- SIPA way to invest a fixed amount in a mutual fund at regular intervals, usually monthly, instead of investing everything at once.
- Savings rateThe share of your income you save or invest each month — one of the strongest levers on how quickly you can reach your goals.
- CompoundingEarning returns on past returns as well as on the original amount, so growth accelerates the longer money stays invested.
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Next step
Numbers are a start. A plan is better.
Take this result into a fuller plan, or talk it through with a CompoundX relationship manager — no obligation.