SIP Calculator
See how a fixed monthly SIP could grow over time, and how much of the final amount comes from returns.
Step-up SIP Calculator
See the effect of raising your SIP by a fixed percentage every year, for example as your income grows.
Your details
₹10,000 = 10 thousandAllowed range: ₹500 to ₹10,00,000
Allowed range: 1 to 50%
Allowed range: 1 to 30%
Allowed range: 1 to 40 yrs
Results
Estimated value after 15 years
₹86,83,849
That’s ₹36.38 L more than a regular ₹10,000 SIP (₹50.46 L).
- Total invested
- ₹38,12,698
- Est. returns
- ₹48,71,152
- SIP in final year
- ₹37,975/mo
- Invested₹38,12,698(44%)
- Est. returns₹48,71,152(56%)
Growth year by year
- Invested
- Est. returns
Years along the bottom. Hover or tap a bar to see that year’s numbers.
Year-by-year table
| Year | Invested | Est. returns | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,52,000 | ₹33,241 | ₹2,85,241 |
| 3 | ₹3,97,200 | ₹79,210 | ₹4,76,410 |
| 4 | ₹5,56,920 | ₹1,50,403 | ₹7,07,323 |
| 5 | ₹7,32,612 | ₹2,51,958 | ₹9,84,570 |
| 6 | ₹9,25,873 | ₹3,89,861 | ₹13,15,734 |
| 7 | ₹11,38,461 | ₹5,71,067 | ₹17,09,527 |
| 8 | ₹13,72,307 | ₹8,03,649 | ₹21,75,956 |
| 9 | ₹16,29,537 | ₹10,96,963 | ₹27,26,501 |
| 10 | ₹19,12,491 | ₹14,61,835 | ₹33,74,326 |
| 11 | ₹22,23,740 | ₹19,10,776 | ₹41,34,516 |
| 12 | ₹25,66,114 | ₹24,58,227 | ₹50,24,342 |
| 13 | ₹29,42,725 | ₹31,20,840 | ₹60,63,565 |
| 14 | ₹33,56,998 | ₹39,17,792 | ₹72,74,790 |
| 15 | ₹38,12,698 | ₹48,71,152 | ₹86,83,849 |
For illustration only. Assumes a constant rate of return, which real investments don’t deliver. Mutual fund returns are not guaranteed, and tax, fees and exit loads are not included. This is not investment advice.
Want a plan based on these numbers?
We can help you pick suitable schemes and set it up. See SIP Investments.
How this calculator works
- 1
Enter your starting monthly SIP, how much you'll raise it each year (in %), the expected yearly return, and the period.
- 2
The monthly amount goes up at the start of each new year. Instalments are invested at the start of each month.
- 3
Compare the result with a regular SIP calculator to see how much the yearly increase adds.
Frequently asked questions
What is a step-up (top-up) SIP?
A step-up SIP increases your monthly instalment automatically by a fixed amount or percentage at set intervals, usually once a year. Many fund houses offer it as an option when you register the SIP.
Are these results guaranteed?
No. The calculator assumes the same return every year, which never happens in real markets. Mutual fund returns go up and down and are not guaranteed. Use the result as a rough guide, not a promise.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
More calculators
Lumpsum Calculator
Estimate what a one-time investment could grow to over a number of years at an expected rate of return.
Goal Planner
Find the monthly SIP you may need for a goal like a child's education, a home or a car, after inflation.
Ready to plan your investments?
Talk to the RWAKKA team. Your first consultation is free and comes with no obligation.