Step-Up SIP Calculator – Annual Increase SIP Returns

Step-Up SIP Details

Fund Category Presets (historical avg. — not guaranteed)

Debt 6%

Balanced 10%

Large Cap 12%

Mid/Small Cap 15%

Nifty 50 long-term avg. ≈ 12–13% p.a. · Use conservative rates for planning.

Initial Monthly SIP Amount ₹5 K

Minimum SIP amount is ₹500

Please enter a SIP amount

Annual Step-Up Rate (%) 10% p.a.

Step-up rate must be 1%–50%

ℹ️ Your SIP increases by this % every year. Verify your budget allows this commitment.

Assumed Annual Return (%) 10.0% p.a.

Rate must be 1%–30%

Please enter an assumed return rate

Investment Duration 10 yrs

Duration must be 1–40 years

Inflation Adjustment

Inflation Rate (%) 6%

ℹ️ Shows the inflation-eroded purchasing power of your maturity value in today's rupees. India CPI has averaged ~5–6% historically.

Step-Up SIP Summary Est.

All values are illustrative projections, not guaranteed returns.

Est. Maturity Value Loading…

₹ 0

Est. Wealth Gain

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—% est. gain on invested

XIRR (approx.) ⓘ

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Initial Monthly SIP

₹0

Final Monthly SIP

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Total Invested

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Extra vs Flat SIP (est.)

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Years to Double (at rate)

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Abs. Return CAGR (approx.)

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Invested vs Est. Wealth Gain

Share of total

Amount

Total Invested (Step-Up) ₹0

Est. Wealth Gain ₹0

Extra Invested vs Flat ₹0

Est. Maturity Value ₹0

Smart Insights

Step-Up SIP vs Flat SIP

Compares your Step-Up SIP against an equivalent flat SIP using the same initial amount, return rate, and duration. All results are illustrative estimates.

Step-Up SIP

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Total invested: —

Est. gain: —

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Flat SIP

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Total invested: —

Est. gain: —

Metric	Step-Up SIP (Est.)	Flat SIP (Est.)

Step-Up vs Flat — Maturity Breakdown

Share of combined

Step-Up SIP Maturity ₹0

Flat SIP Maturity ₹0

Extra from Step-Up ₹0

Year-Wise Portfolio Growth Comparison

Step-Up SIP Portfolio (est.)

Flat SIP Portfolio (est.)

Goal Planner

Find the initial monthly SIP needed to reach your goal with a step-up. All figures are estimates assuming constant returns.

Target Amount

Goal Amount (₹)

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Assumed Rate (% p.a.)

Annual Step-Up Rate (%)

Duration (years)

Scenario Comparison

Scenario A is pre-filled with your current values. Edit any field and click Compare. All results are illustrative estimates.

Scenario A (Current)

Initial Monthly SIP (₹)

Step-Up Rate (% p.a.)

Assumed Rate (% p.a.)

Duration (years)

Scenario B (Compare)

Initial Monthly SIP (₹)

Step-Up Rate (% p.a.)

Assumed Rate (% p.a.)

Duration (years)

Metric	Scenario A (Est.)	Scenario B (Est.)

Growth Schedule (Estimated)

Year 1 breakdown

Total Invested

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Est. Gains

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Est. Portfolio Value

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SIP This Year

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Total invested

Est. Portfolio value