Step-Up SIP Calculator

Estimate SIP future value when your monthly investment increases every year by a fixed percentage.

Tax year 2026 - Updated June 2026

Step-up SIP inputs

Starting monthly investment

INR

Annual step-up

Expected annual return

Expected inflation

Investment duration

years

Estimated future value

₹33,74,326

Starts at ₹10,000 per month and steps up by 10% every year for 10 years.

Invested amount

₹19,12,491

Estimated returns

₹14,61,835

Final year monthly SIP

₹23,579

Invested: 57%Returns: 43%

Monthly rate used

1.000%

Total months

120

Return multiple

1.76x

Step-up SIP growth chart

Year-by-year estimate of increasing SIP investments versus projected corpus.

Projected corpusInvested amountFinal: ₹33,40,917

Inflation-adjusted estimate

₹18,84,206

Real return: 5.66%

Nominal value

₹33,74,326

Purchasing-power loss

₹14,90,120

Cumulative inflation

79.08%

Uses 6% annual inflation to show today-value purchasing power. This is still an estimate, not a guaranteed real return.

Formula used

Monthly rate = expected annual return / 12 / 100.
SIP amount increases once every year by the annual step-up percentage.
Each monthly contribution is compounded until the end of the investment period.
Future value is the sum of all stepped-up monthly contributions compounded to the final month.
Estimated returns = future value - total invested amount.
Inflation-adjusted value = future value / (1 + expected inflation) ^ duration years.
Real annual return = (1 + expected return) / (1 + expected inflation) - 1.

Related calculators and guides

SIP Calculators Hub

Compare fixed SIP, step-up SIP, goal SIP, and SIP delay tools.

SIP Comparison Calculator

Compare fixed SIP, higher SIP, and longer-duration scenarios.

SIP Calculator

Compare step-up SIP with a fixed monthly SIP estimate.

Guide

Step-Up SIP Guide

Understand annual SIP increases, compounding, and assumptions.

Investment & Savings Tools

Browse SIP, Goal SIP, and other savings calculators.

Assumptions

Assumes the SIP amount increases once every year by the selected step-up percentage.
Assumes monthly compounding using a fixed expected annual return.
Does not include taxes, exit loads, expense ratios, inflation, missed installments, or market volatility.
Actual investment returns can be higher or lower than the estimate.

Disclaimer

The information and calculations provided on this website are for general informational and educational purposes only. Results are estimates based on publicly available tax rules and assumptions and may not reflect your actual tax liability or take-home pay. This content does not constitute tax, legal, accounting, or financial advice. Tax laws and regulations change frequently and vary based on individual circumstances. Consult a qualified tax professional, accountant, or financial advisor before making any financial decisions.

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.

Formula used

Monthly rate = expected annual return / 12 / 100.

SIP amount increases once every year by the annual step-up percentage.

Each monthly contribution is compounded until the end of the investment period.

Future value is the sum of all stepped-up monthly contributions compounded to the final month.

Estimated returns = future value - total invested amount.

Inflation-adjusted value = future value / (1 + expected inflation) ^ duration years.

Real annual return = (1 + expected return) / (1 + expected inflation) - 1.

Assumptions

Assumes the SIP amount increases once every year by the selected step-up percentage.

Assumes monthly compounding using a fixed expected annual return.

Does not include taxes, exit loads, expense ratios, inflation, missed installments, or market volatility.

Actual investment returns can be higher or lower than the estimate.

Disclaimer

This website is not affiliated with the IRS, HMRC, Income Tax Department of India, or any government agency.