Investment maths — assumptions are yours

Step-up SIP calculator

A step-up (top-up) SIP raises your monthly instalment by a fixed percentage every 12 months — matching a growing income. See the future value and the year-wise trail.

Starting monthly SIP

Annual step-up (%)

Instalment rises once every 12 months.

Expected return (% p.a.)

Tenure (years)

Future value (step-up SIP)

—

Total invested	—
Estimated gains	—
Same SIP without step-up	—
Future value with step-up	—

Show the math — year by year

Each instalment is invested at the start of the month and compounds monthly at the expected return ÷ 12; the instalment rises by the step-up once a year.

Year	Monthly instalment	Invested so far	Value at year end

Why step up a SIP

Salaries typically grow every year; a flat SIP quietly shrinks as a share of your income. Stepping up the instalment by even 5–10% annually adds substantially to the final corpus because the later, larger instalments still get years of compounding. The table above shows exactly how much of the outcome comes from the extra contributions versus growth.

For information only — not investment advice. Expected returns are your assumption; actual mutual-fund returns are market-linked and not guaranteed. Taxes are not modelled here.