Reva Money · Calculators · Step-up SIP calculator
See what a SIP grows to when you raise it by a fixed percentage every year, and how much more it gives than a flat SIP.
| Starting monthly SIP | ₹10,000 |
|---|---|
| Raise it every year by | 10% |
| Years | 20 years |
| Expected return a year | 12% |
| In 20 years | ₹1.99 Cr |
| You put in | ₹68.73 L |
| Growth | ₹1.30 Cr |
| Last year’s monthly SIP | ₹61,159 |
| A flat SIP would give | ₹99.91 L |
A step-up SIP starts at one amount and rises by a fixed percentage each year, usually in step with your salary.
The calculator raises the monthly amount once a year and compounds monthly at the return you choose.
Formula: Each year’s 12 instalments are P × (1 + s)^k, where k is the year (0, 1, 2…). Every instalment grows monthly at the yearly return ÷ 12 until the end.
On ₹10,000 a month for 20 years at 12%, a 10% yearly step-up gives about ₹1.99 Cr, against ₹99.91 L for a flat SIP.
Many people match their expected pay rise, often 5% to 10%. The calculator lets you see the difference each percentage makes.
No. A mutual fund’s return depends on the market, and past returns don’t promise future ones. The calculator shows what a steady yearly return would give, so you can compare amounts and time.
Illustrative only. These figures assume steady returns, which real investments don’t give. They are not investment advice.