Step-up SIP calculator
Your income rises most years. If your SIP rises with it, the difference at the end is larger than most people expect.
You invest
₹38.13 L
Est. returns
₹48.71 L
Total value
₹86.84 L
Raising your SIP by 10% each year ends at ₹86.84 L — ₹36.38 L more than keeping it flat at ₹10,000 for the whole 15 years. Most people's income rises; their SIP usually doesn't.
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This calculator is an illustration based on the rate of return you selected. It is not a projection or a guarantee. Mutual fund returns are not fixed and vary with market conditions. Mutual fund investments are subject to market risks, read all scheme related documents carefully.
How this is calculated
The contribution increases by the percentage you set on every twelfth month, and each contribution compounds monthly from the date it is invested.
A step-up is the single easiest change to make to an existing plan — it costs nothing today and is funded out of a raise you have not yet received.