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Step-up SIP Calculator

Project a monthly SIP with an annual increase in contributions. Review yearly investments and estimated growth.

Your inputs

₹ INR
Choose the currency for your amounts. Values are not exchange-rate converted.
YOUR RESULT

Estimated future value

₹43,41,924.72
Total invested
₹19,06,348.90
Estimated returns
₹24,35,575.81
Duration
15
Annual return
12%
Calculation method & assumptions

The monthly SIP increases after each completed year. Contributions are made at the beginning of each month.

Rates remain constant in this illustration. Taxes, fees and changes in returns are excluded.

Investment breakdown

Compare the components of the estimated total.

Investment breakdownCompare the components of the estimated total. Contributions: INR 19,06,349; Estimated growth: INR 24,35,576ContributionsINR 19,06,349Estimated growthINR 24,35,576Estimated total4.3M

Balance over time

Values at selected points in the calculation period.

Balance over timeValues at selected points in the calculation period. Year 1: INR 64,047; Year 2: INR 1,42,621; Year 4: INR 3,53,661; Year 5: INR 4,92,285; Year 6: INR 6,57,867; Year 7: INR 8,54,764; Year 9: INR 13,63,250; Year 10: INR 16,87,163; Year 11: INR 20,67,258; Year 12: INR 25,12,171; Year 14: INR 36,37,395; Year 15: INR 43,41,9254.3M3.3M2.2M1.1M0Y1Y2Y4Y5Y6Y7Y9Y10Y11Y12Y14Y15INR

Detailed breakdown

15 rows
PeriodTotal contributedGrowth / interestBalance
Year 1₹60,000.00₹4,046.64₹64,046.64
Year 2₹1,26,000.00₹16,620.66₹1,42,620.66
Year 3₹1,98,600.00₹39,604.97₹2,38,204.97
Year 4₹2,78,460.00₹75,201.40₹3,53,661.40
Year 5₹3,66,306.00₹1,25,979.20₹4,92,285.20
Year 6₹4,62,936.60₹1,94,930.44₹6,57,867.04
Year 7₹5,69,230.26₹2,85,533.32₹8,54,763.58
Year 8₹6,86,153.29₹4,01,824.49₹10,87,977.78
Year 9₹8,14,768.61₹5,48,481.64₹13,63,250.25
Year 10₹9,56,245.48₹7,30,917.66₹16,87,163.13
Year 11₹11,11,870.02₹9,55,388.11₹20,67,258.14
Year 12₹12,83,057.03₹12,29,113.73₹25,12,170.75
Year 13₹14,71,362.73₹15,60,419.95₹30,31,782.68
Year 14₹16,78,499.00₹19,58,895.98₹36,37,394.98
Year 15₹19,06,348.90₹24,35,575.81₹43,41,924.72
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HOW IT WORKS

Three steps. Ready for what’s next.

01

Enter your inputs

Use the labelled fields and select the assumptions or dates that apply to your calculation.

02

Review the result

Results update as inputs change. Check the breakdown, calculation method and assumptions.

03

Copy or download

Copy a summary or download the calculation breakdown as a CSV.

About Step-up SIP Calculator.

How step-up sip is calculated

The monthly SIP increases after each completed year. Contributions are made at the beginning of each month.

What the result means

Project a monthly SIP with an annual increase in contributions. Review yearly investments and estimated growth.

Assumptions and scope

Rates remain constant in this illustration. Taxes, fees and changes in returns are excluded.

Using the calculator

Enter starting monthly investment, annual contribution increase, assumed annual return, duration (years). Change the values to compare results. Calculations run in your browser. No account is required.

A LITTLE CLARITY

Good questions. Simple answers.

A few helpful answers before you get started.

Do I need an account?

No. This tool is open to everyone without signing in.

Does this tool need the internet?

Your inputs are calculated in this browser. Load the tool online before using it offline.

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