SIP calculator with yearly step-up
Enter your monthly SIP amount, a yearly return to assume and the number of years to see how much you would invest, what it could grow to, and the year-by-year picture. Add a step-up if you plan to raise your SIP every year.
Everything runs on your device. Nothing you add or type is sent to any server.
How to use it
- 01
Enter the amount you plan to invest every month, for example 10,000.
- 02
Enter the yearly return to assume and how many years you will invest. The 12 % filled in at the start is only an example, not a forecast; use a careful, realistic rate.
- 03
Optionally enter a yearly step-up, the percentage by which you raise the SIP each year. Read the totals and scroll the year-wise table.
The formula this calculator uses
It assumes each instalment is paid at the start of the month and grows with monthly compounding at one-twelfth of the yearly rate. For a fixed SIP that gives the future value FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P is the monthly amount, i is the yearly rate ÷ 12 ÷ 100 and n is the number of months. With a step-up, the instalment rises by your step-up percentage after every 12 instalments, and the value is built month by month.
Worked example: ₹10,000 a month for 10 years at an assumed 12 % a year means you invest ₹12,00,000, and the estimated value is ₹23,23,391, so the estimated gain is ₹11,23,391. With a 10 % yearly step-up, the same plan invests ₹19,12,491 and could grow to ₹33,74,326.
Returns are not guaranteed
Mutual fund investments are subject to market risk. Their returns go up and down, can be negative, and your money can be worth less than you put in. They do not arrive as a smooth fixed rate every month, and past returns do not promise future ones. Treat the result as one possible path at the rate you entered, not as a promise. Try a lower rate as well to see a cautious case.
Fund platforms can show slightly different numbers because they use different conventions, such as the date of each instalment, a yearly compounding rate, or rounding the stepped-up amount. Taxes, exit loads and expense ratios are not included here. Everything runs in your browser and nothing is sent anywhere.
Frequently asked questions
What does step-up mean?
It means raising your SIP by a fixed percentage every year, for example 10 %. A ₹10,000 SIP with a 10 % step-up becomes ₹11,000 a month in the second year and ₹12,100 in the third.
Why is my fund's actual value different?
Real funds earn uneven returns, and the order of good and bad years changes the result. Charges and taxes also matter. This calculator shows only what a steady rate would give.
What limits does the calculator accept?
A monthly amount up to ₹1 crore, a yearly return from 0 to 50 %, whole years from 1 to 50, and a step-up from 0 to 50 % a year.