Step-up SIP Calculator
Start with a base SIP and increase it every year to see how small, regular step-ups can change your final corpus over time.
Step-up SIP Projection
Start with a base SIP and increase it every year to accelerate your wealth creation.
Over 15 years at 12% p.a.
Starting monthly SIP
The base SIP amount you're starting with.
₹ 15,000
Investment period
The total duration of your investment.
15 years
Expected annual return (%)
Anticipated average yearly growth rate.
12% p.a.
Yearly step-up (%)
How much you'll increase your SIP every year.
10% increase
Returns are estimates. Market performance varies.
Avg. SIP
₹31,772
Monthly average
Total Invested
₹57,19,047
Principal amount
Est. Growth
₹73,06,727
Wealth generated
Investment Breakdown
Principal
₹ 57,19,047
43.9%
Returns
₹ 73,06,727
56.1%
Your SIP grows from ₹15,000 to ₹56,962 over 15 years.
💡 Insight: Your monthly investment will grow to ₹ 56,962 by the end. Ensure your income growth can support this 3.8x increase in commitment.
Power of Compounding
Increasing your contribution by 10% annually takes advantage of exponential growth, resulting in significantly more wealth than a static SIP.
Yearly Growth Projection
Detailed wealth accumulation breakdown
| Year | Monthly SIP | Total Invested | Wealth (Corpus) |
|---|---|---|---|
| Year 1 | ₹15,000 | ₹1,80,000 | ₹1,92,140 |
| Year 2 | ₹16,500 | ₹3,78,000 | ₹4,27,862 |
| Year 3 | ₹18,150 | ₹5,95,800 | ₹7,14,615 |
| Year 4 | ₹19,965 | ₹8,35,380 | ₹10,60,984 |
| Year 5 | ₹21,962 | ₹10,98,918 | ₹14,76,856 |
| Year 6 | ₹24,158 | ₹13,88,810 | ₹19,73,601 |
| Year 7 | ₹26,573 | ₹17,07,691 | ₹25,64,291 |
| Year 8 | ₹29,231 | ₹20,58,460 | ₹32,63,933 |
| Year 9 | ₹32,154 | ₹24,44,306 | ₹40,89,751 |
| Year 10 | ₹35,369 | ₹28,68,736 | ₹50,61,489 |
| Year 11 | ₹38,906 | ₹33,35,610 | ₹62,01,774 |
| Year 12 | ₹42,797 | ₹38,49,171 | ₹75,36,512 |
| Year 13 | ₹47,076 | ₹44,14,088 | ₹90,95,348 |
| Year 14 | ₹51,784 | ₹50,35,497 | ₹1,09,12,185 |
| Year 15 | ₹56,962 | ₹57,19,047 | ₹1,30,25,774 |
Free: Beginner Investing Starter Kit
Get our curated guide with step-by-step instructions to start your investment journey — mutual funds, SIPs, goal planning and more.
🔒 No spam. Unsubscribe anytime.