The instalment rises on each anniversary, not monthly. Instalments are invested at the start of the month and compound monthly.
Total value
₹86,83,849
- You invested
- ₹38,12,698
- Estimated returns
- ₹48,71,152
- Versus a flat SIP
- +₹36,38,089
A flat ₹10,000 SIP would reach ₹50,45,760
Year by year
Why step up at all
The instalment you can afford at 25 is not the instalment you can afford at 35, but almost nobody goes back and changes it. A step-up SIP builds the increase in at the start: the amount rises by a fixed percentage on every anniversary, ideally roughly in line with your salary, so the SIP keeps pace with your income instead of shrinking against it in real terms.
The compounding effect is larger than it looks. A 10% annual step-up on a 15-year SIP roughly doubles both what you put in and what you end with, because each raise gets the remaining years to compound.
Reading the comparison
The 'versus a flat SIP' figure holds the starting instalment, the return and the term constant and changes only the step-up. It is the price of leaving a SIP untouched for a decade, and for most people it is the single largest number on this page.
Common questions
Something close to your expected annual salary increase — 5% to 10% is the usual range. Setting it far above what your income does means you eventually cannot fund the instalment, and a step-up SIP you cancel in year eight is worse than a flat one you keep.
Related calculators
SIP
Put in what you invest each month and the return you expect, and see what the SIP is worth at the end — split into the money you actually paid in and the growth on top.
Lumpsum
One amount, invested once, left to compound. See what it becomes and how much of that is growth rather than your own money.
Inflation
What today's rupee is worth later, and what today's expense costs later. The same arithmetic, pointed in both directions.