Advanced Step Up SIP

Compare custom increases

SIP · Custom comparison

Advanced Step Up SIP Calculator

Build your own comparison. Test any percentage, like 1.5%, 4%, 6%, 8% or 67%, or any exact rupee increase. Add as many scenarios as you need, and set a different step-up schedule for each one.

1. Your investment plan

Shared assumptions

Change these and every scenario updates.

₹

Your first contribution, before any step-up.

How often will you invest?

Returns are assumptions for illustration, not a promise or guarantee.

2. Add a custom scenario

Choose any value and schedule

No preset-only limits. Each row keeps its own step-up interval.

How do you want to increase the SIP?

Enter any non-negative percentage, including decimals such as 1.5, 4.25, 6, 8, or 67.

How often should this scenario step up?

Quick add

Drop in a common increase

Tap any example to add it immediately, using the step-up schedule selected above.

Estimated future corpus

10% · Yearly step-up

₹1,84,56,256

After 20 years, based on a 12% assumed annual return and monthly contributions.

Total amount invested

₹68,73,000

Estimated investment returns

₹1,15,83,256

Final contribution amount

₹61,159

Extra corpus vs no step-up

+₹93,44,145

Amount invested · 37.2%Estimated growth · 62.8%

Corpus growth over time

10% annual step-up versus the same investment with no step-up.

Your comparison

Your scenarios (9)

Select Use to pin a scenario in the chart above. Edit, or remove, any row. Amounts are estimates from the shared plan.

No step-up

0% increase · Yearly

₹91,12,111

Invested ₹24,00,000

Returns ₹67,12,111

Final SIP ₹10,000

Extra ₹0

2% annual step-up

2% increase · Yearly

₹1,03,19,979

Invested ₹29,15,684

Returns ₹74,04,295

Final SIP ₹14,568

Extra +₹12,07,869

5% annual step-up

5% increase · Yearly

₹1,26,33,843

Invested ₹39,67,914

Returns ₹86,65,929

Final SIP ₹25,270

Extra +₹35,21,732

10% annual step-up

10% increase · Yearly

Selected

₹1,84,56,256

Invested ₹68,73,000

Returns ₹1,15,83,256

Final SIP ₹61,159

Extra +₹93,44,145

15% annual step-up

15% increase · Yearly

₹2,83,29,185

Invested ₹1,22,93,230

Returns ₹1,60,35,955

Final SIP ₹1,42,318

Extra +₹1,92,17,075

20% annual step-up

20% increase · Yearly

₹4,53,55,569

Invested ₹2,24,02,560

Returns ₹2,29,53,009

Final SIP ₹3,19,480

Extra +₹3,62,43,458

₹500 annual increase

+₹500 per step · Yearly

₹1,18,54,949

Invested ₹35,40,000

Returns ₹83,14,949

Final SIP ₹19,500

Extra +₹27,42,838

₹1,000 annual increase

+₹1,000 per step · Yearly

₹1,45,97,786

Invested ₹46,80,000

Returns ₹99,17,786

Final SIP ₹29,000

Extra +₹54,85,676

₹2,000 annual increase

+₹2,000 per step · Yearly

₹2,00,83,462

Invested ₹69,60,000

Returns ₹1,31,23,462

Final SIP ₹48,000

Extra +₹1,09,71,352

How the calculator works

Percentage step-up. A percentage increase is applied to the previous contribution at each step-up event. For example, 10% takes ₹10,000 to ₹11,000, then applies the next increase to ₹11,000.

Fixed-amount step-up. The exact rupee amount is added at each event. For example, a ₹1,000 step-up takes ₹10,000 to ₹11,000, then ₹12,000, and so on. Each scenario can use its own schedule.

Return assumptions. The annual return is converted into an equivalent periodic rate. Contributions are assumed at the end of each period: 365 daily, 52 weekly, 26 fortnightly, 12 monthly, 4 quarterly, 2 half-yearly, or 1 yearly.

This is an educational projection, not investment advice. Mutual fund returns fluctuate and are not guaranteed. The illustration excludes taxes, exit loads, inflation, and changes in expense ratios. Actual outcomes may differ substantially. Very high step-up rates can produce very large projections. Want a single yearly raise with inflation? Use the Step Up SIP calculator.

10% annual step-up

₹1,84,56,256

Extra vs flat

+₹93,44,145