See how it works
Step-up SIP calculator
Find out how much you can build by raising your monthly investment every year.
Change a number and watch what happens. This is a teaching tool: the answer is an illustration, not a promise.
How it works, with an example
Ravi's story
Meet Ravi. He starts a SIP of ₹10,000 every month for 10 years, and raises it by 10% every year as his pay grows.
In all, Ravi puts in ₹19,12,491 from his own pocket.
His money grows about 10% a year, so it earns about ₹11,08,189 extra on its own.
After 10 years, Ravi's money is worth ₹30,20,680: his own ₹19,12,491 plus what it earned.
Now it is your turn. Change the numbers below to see your own plan.
- Ravi puts in
- ₹19,12,491
- His money earns
- ₹11,08,189
- Worth at the end
- ₹30,20,680
Your answer
If you invest ₹10,000 every month, raise it 10% every year, and keep going for 10 years, you can have:
Your money can grow to
₹30,20,680
after 10 years, in 2036
Worked out at an assumed return of 10% a year
- Monthly amount
- ₹10,000
- Yearly step-up
- 10% a year
- Time
- 10 years
- Assumed return
- 10% a year
How much you gain
- Total you invest₹19,12,491
- Profit you earn₹11,08,189
| After | Total invested | Total value |
|---|---|---|
| 1 year | ₹1,20,000 | ₹1,25,656 |
| 3 years | ₹3,97,200 | ₹4,58,087 |
| 5 years | ₹7,32,612 | ₹9,27,779 |
| 8 years | ₹13,72,307 | ₹19,88,569 |
| 10 years | ₹19,12,491 | ₹30,20,680 |
Start 1 year late and your money will be worth ₹5,54,528 less in 2036. Starting early helps.
Illustration only. Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
Want to talk it through?
Free. 30 minutes. No obligation. No pressure to invest. Your result goes into the message.
You see the message first, and can change it. Gunasekaran replies Mon–Sat, 10:00–18:00 IST.
The answer updates as you type. Open the report to see the full plan and download it as a PDF. The result is an illustration, not a promise.
Your numbers
For example, 10% means ₹10,000 a month becomes ₹11,000 a month next year.
A made-up rate for illustration, not a forecast. Real returns can be lower, or negative.
Common questions
A SIP means you put a fixed amount into a mutual fund on the same date every month. A mutual fund is a pot of money from many people, invested by experts. In the example, Ravi invests ₹10,000 every month for 10 years.
A step-up means you raise your monthly amount by a fixed percentage every year, for example when your pay rises. With 10%, ₹10,000 becomes ₹11,000 in the second year. Pick a number close to your yearly pay rise that you can keep up.
Each month your money grows by one twelfth of the yearly return, and then your next amount is added. In the example you put in ₹19,12,491 over 10 years, and the money is worth about ₹30,20,680.
Enter a yearly growth rate to see an illustration. The rate is an assumption, not a forecast, and real returns can be lower or negative. The calculator stops at 12% because a very high return is risky to rely on; try a lower number too, to see a more cautious case.
No. Mutual fund returns are not guaranteed, and the value of your investment can go up or down with the market. Read all scheme related documents carefully and consider your own situation before you invest.
Invest what you can and add more when you can. A lower amount means a lower final amount, so change the numbers above to see the effect. Talk to a qualified financial professional if you are unsure.