Step-up SIP calculator
Compare a SIP that grows with your salary against one that stays flat, and see the difference at the end.
Stepped-up SIP after 15 years
₹86,83,849
A flat SIP would reach
₹50,45,760
The difference
₹36,38,089
You also invest ₹20,12,698 more
44%
56%
- What you put in₹38,12,698(44%)
- What it earned₹48,71,152(56%)
- Flat SIP
- Stepped-up SIP
See the numbers
| Year | Flat SIP | Stepped-up SIP | Difference |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹1,28,093 | ₹1,28,093 | ₹0 |
| 2 | ₹2,72,432 | ₹2,85,241 | ₹12,809 |
| 3 | ₹4,35,076 | ₹4,76,410 | ₹41,333 |
| 4 | ₹6,18,348 | ₹7,07,323 | ₹88,974 |
| 5 | ₹8,24,864 | ₹9,84,570 | ₹1,59,707 |
| 6 | ₹10,57,570 | ₹13,15,734 | ₹2,58,164 |
| 7 | ₹13,19,790 | ₹17,09,527 | ₹3,89,737 |
| 8 | ₹16,15,266 | ₹21,75,956 | ₹5,60,690 |
| 9 | ₹19,48,215 | ₹27,26,501 | ₹7,78,285 |
| 10 | ₹23,23,391 | ₹33,74,326 | ₹10,50,936 |
| 11 | ₹27,46,148 | ₹41,34,516 | ₹13,88,368 |
| 12 | ₹32,22,522 | ₹50,24,342 | ₹18,01,820 |
| 13 | ₹37,59,311 | ₹60,63,565 | ₹23,04,254 |
| 14 | ₹43,64,180 | ₹72,74,790 | ₹29,10,610 |
| 15 | ₹50,45,760 | ₹86,83,849 | ₹36,38,089 |
- The last year's instalment is ₹37,975 a month.
- A step-up matched to your increment keeps the instalment the same share of your income, which is what makes it last.
- The return is your assumption, not a forecast. Markets do not deliver the same number every year, and a long fall early on hurts more than the average suggests.
Common questions
How much should I step up by?
A step-up matched to your yearly increment keeps the instalment the same share of income, which is what makes it sustainable. Five to ten per cent is common.
Other calculators
- SIP calculatorWhat a monthly investment could grow into, with or without a yearly step-up.
- Lumpsum calculatorWhat one amount, invested once, could become.
- Goal plannerHow much to invest each month to reach an amount by a date.
- SIP return trackerWhat your own SIP actually earned, instalment by instalment.
This is general information for education, not investment, tax or legal advice. Rules and rates change; check the official source before acting. Read the full disclaimer.