How a 10% annual SIP increase changes the projection
Compare a fixed monthly SIP with one that rises annually, separating additional contributions from projected investment growth.
Read the guideStep-up SIP
See what happens when your SIP grows with you.
Estimated future value
₹86,83,849
Total invested₹38,12,698
Estimated returns₹48,71,152
Total value₹86,83,849
Your money over time
Projected valueAmount invested
For illustration only. Read the assumptions below for the full picture.
Estimates, not promises. Explore different scenarios.
Understand your result.
A step-up SIP increases the monthly contribution once each year. Explore the impact of linking your investment habit to an annual increase in income or saving capacity.
Compare total contributions as well as the ending value. Part of the larger corpus comes from investing more money, not from a higher rate of return.
A worked example.
Using this calculator’s default inputs, estimated future value is ₹86,83,849. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Monthly investment | ₹10,000 |
|---|---|
| Annual SIP increase | 10 % |
| Expected annual return | 12 % |
| Time period | 15 years |
A common mistake to avoid
Planning future annual increases that would be difficult to sustain from income.
Questions you might have.
When is the SIP increased?
The entered percentage increase is applied after each block of 12 monthly contributions. Contributions are assumed at the beginning of the month.
Can a step-up guarantee a goal?
No. A fixed return assumption is only a scenario. Review affordability and progress as market outcomes and your income change.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Monthly SIP increases by the chosen percentage after every 12 contributions. Each contribution compounds monthly from the beginning of the month.
Assumptions & things to know
Returns and step-ups are constant assumptions. No taxes or fees included.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.