Invested Amount
₹19,12,491
Est. Returns
₹14,61,835
AI Result Summary
AI ActiveYearly top-ups materially change the final corpus
With a starting SIP of ₹10,000 and a 10% annual step-up, the projected corpus reaches ₹33,74,326 over 10 years.
Key takeaway
Your last-year SIP reaches ₹23,579, which helps turn ₹19,12,491 invested into ₹14,61,835 estimated gains.
Wealth Gain
1.8×
of invested amount
Starting SIP
₹10,000
+10% yearly increase
Final Year SIP
₹23,579
/month in last year
What is Step Up SIP?
A Step Up SIP increases your monthly investment by a fixed percentage every year. As your income grows, your investments grow too — dramatically boosting your final corpus compared to a regular SIP.
How to use this Step Up SIP Calculator
- Enter realistic values based on your current plan or trade setup.
- Review the output metrics, not just the headline number.
- Run multiple scenarios to compare best/base/worst cases.
Practical tips
- Set a realistic annual step-up based on salary growth.
- Start with an amount you can sustain through market cycles.
- Compare regular SIP vs step-up SIP scenarios annually.
Model assumptions
- Step-up is applied once per year at a fixed percentage.
- Return assumptions remain constant through the tenure.
- Missed contributions and taxes are not factored in.
This calculator is for educational purposes only. Investments are subject to market risks. Past performance does not guarantee future results.