SIP Calculator (with step-up)
What your monthly SIP grows into, with optional annual step-up, the single biggest lever for long-term Indian investors.
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A ₹10,000/month SIP with a 10% annual step-up grows to ₹1.99 crore in 20 years at 12%. Compounding rewards consistency more than it rewards big numbers.
- Total invested
- ₹68.73 lakh
- Wealth gained
- ₹1.3 crore
- Without step-up
- ₹99.91 lakh
- Step-up advantage
- ₹98.97 lakh
Same SIP, no step-up
₹99.91 lakh
Increasing your SIP by 10% a year adds ₹98.97 lakh over 20 years.
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Where does this SIP fit in your full picture?
Take the 12-question Money Health Check to see if your savings rate is keeping pace with your income, debt, and retirement timeline.
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Why step-up SIP is the secret weapon
Your income grows over your career. Most people don't index their savings to that growth, they spend the raises. A 10% step-up SIP just says "my savings should grow at least as fast as my income." Over 20 years, that single discipline nearly doubles the final corpus.