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Step-up SIP Calculator

Compare a rising contribution with a flat SIP using the same growth assumption.

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01 / YOUR ASSUMPTIONS

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Results update as you edit. Use Calculate to check all fields. Rates are editable illustrations; enter a provider quote only where applicable.

₹
%
₹
years
% p.a.
% p.a.
YOUR ILLUSTRATION, READY TO KEEP

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SEE THE PATHIllustrative, not a forecast

Step-up SIP versus flat SIP

INR 29.8 LINR 19.9 LINR 9.9 LINR 0Year 0Year 5Year 10Flat SIP valueStep-up SIP value

Illustrative constant-rate path. Real market returns vary; this is not historical performance.

Contribution and growth

100%
  • Contributed / deposited₹19,12,491 64.2%
  • Illustrative growth₹10,68,081 35.8%
CHANGE THE ASSUMPTION

Assumption sensitivity

Same inputs; only the annual rate assumption changes. These are illustrations, not forecasts.

8.00% assumption₹27,20,628
10.00% assumption₹29,80,572
12.00% assumption₹32,68,898
FOLLOW THE NUMBERS

Year-by-year illustration

YearContributed / paidGrowth / interestClosing value
1₹1,20,000₹6,405₹1,26,405
2₹2,52,000₹26,092₹2,78,092
3₹3,97,200₹61,651₹4,58,851
4₹5,56,920₹1,16,062₹6,72,982
5₹7,32,612₹1,92,738₹9,25,350
6₹9,25,873₹2,95,589₹12,21,463
7₹11,38,461₹4,29,083₹15,67,544
8₹13,72,307₹5,98,320₹19,70,626
9₹16,29,537₹8,09,113₹24,38,650
10₹19,12,491₹10,68,081₹29,80,572
A NUMBER WORTH UNDERSTANDING1,006.47 lakh

Contributing SIP accounts

September 2026
WHAT THIS NUMBER MEANS

Account count, not unique investors or a count of step-up SIPs.

Published byAMFI
Source last checked4 Nov 2026
Read the original source Industry or scheme context, separate from your personal calculation.
KNOW WHAT YOU ARE CALCULATING

Want to understand Step-up SIP?

A simple guide with a worked example, practical limitations and linked references. Read it before turning an illustration into a decision.

Read the Step-up SIP guide →757 words · General education · Prasar Knowledge Studio
HOW THE ILLUSTRATION WORKS

Formula, timing and limits.

Each year’s monthly amount = initial amount × (1 + step-up %)^(year - 1), or initial amount + fixed annual increments. Each payment is then compounded from its own date.

  • The comparison changes both contributions and growth. It does not represent extra return from the same invested amount.
  • Annual growth is treated as an effective annual assumption; monthly rate = (1 + annual rate)^(1/12) - 1. Contributions occur at the selected month boundary.
Read before acting

Illustrative only. Mutual fund returns are not fixed or guaranteed. Market risk, costs, taxes and the timing of cash flows can change outcomes. This is general education, not personalised investment advice.

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