Step-up SIP calculator
See what raising your SIP a little each year with your salary does over two decades — usually more than any fund selection you will ever make.
Runs entirely in your browserRuns entirely on your device — nothing you type is sent anywhere. Educational only, and not investment advice.
How to use this calculator
Each step names a control you will find on screen above.
- Starting monthly SIP
What you can commit today. It matters less than you think.
- Annual step-up
The percentage you raise it by each year. Ten percent roughly tracks a normal salary increment, so it costs nothing in lifestyle terms.
- Years invested and Expected return
The horizon and the assumption. Compare the two outcome columns rather than either one alone.
- Read total contributed alongside the corpus
A step-up invests more money, so a larger corpus is partly just that. Both figures are shown so the comparison stays honest.
Worked example: ₹10,000 a month, flat against stepped up
A ₹10,000 monthly SIP for twenty years at 12%, against the same SIP raised 10% every year.
What to enter
- Starting monthly SIP
- ₹10,000
- Annual step-up
- 0%, then 10%
- Years invested
- 20
- Expected return
- 12%
What it shows you
- Flat — contributed
- ₹24 lakh
- Flat — final corpus
- ≈ ₹1.0 crore
- Stepped up — contributed
- ≈ ₹68.7 lakh
- Stepped up — final corpus
- ≈ ₹1.85 crore
- SIP in year 20
- ≈ ₹61,000 a month
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Risk & Psychology10 minWhere each month’s money goesAllocation decides where money goes. This decides whether it goes at all — a written order of priority, settled once, so that twelve decisions a year become none.
- Market Basics11 minSIP mechanics, and what actually mattersThe date does not matter. The step-up does. What rupee cost averaging really achieves, and the one thing that determines whether a SIP works.
- Market Basics11 minBefore you invest: the order of operationsFour things belong ahead of your first equity purchase. Skipping them is why most people are forced to sell at the worst possible moment.
- Market Basics10 minSIP or lumpsum: which is actually better?You have a large sum — a bonus, a maturity, a flat you sold. Invest it all at once, or spread it out? What the evidence actually says, when each one wins, and the honest middle path.
- Risk & Psychology10 minWhen the amount feels too small to matter₹500 a month sounds pointless next to the numbers in every article. The arithmetic disagrees, and the habit matters more than the amount in the first years anyway.