Step-Up SIP Calculator
See how raising your monthly SIP by a fixed percentage each year could change the illustrated future value, compared with keeping it flat. This is an illustration based on your own assumptions, not a forecast or a promise.
Your step-up SIP
Adjust the amounts below to see how the estimate changes.
In rupees, per month, in year 1.
How much the monthly amount rises, once a year — not a recommendation for your income.
Ye aapki apni assumption hai, koi promise nahi. 8%, 10%, 12% aur 14% sirf neutral illustrative bands ke taur par diye gaye hain, ya Custom chunkar apni rate bhariye.
Your estimate
Starting at ₹10,000 per month, rising 10% once a year, at an assumed 12% annual return over 10 years. By the final year the monthly instalment reaches an estimated ₹23,579. This is an illustration of your own assumptions, not a forecast.
₹10,000 per month se start karke, har saal 10% badhate hue, 12% assumed return par 10 saal mein — illustrated future value ₹33,74,326 dikhta hai, jisme final year ki monthly instalment ₹23,579 tak pahunchti hai. Yeh aapke chune gaye assumptions ka mathematical illustration hai, koi promise nahi.
Ek flat (bina step-up wali) SIP se compare karne ke liye SIP Calculator dekhein, yeh jaanne ke liye ki annual step-up kya farak dalta hai.
Learn about this calculator
Ek aisi monthly SIP ke illustrated future value ka andaaza deta hai jo flat rehne ke bajaye saal mein ek baar ek fixed percentage badhti hai.
Ek step-up (ya top-up) SIP monthly instalment ko saal mein ek baar chune gaye percentage se badhati hai — aksar rising income ke saath match karne ke liye. Yeh calculator ise month-by-month simulate karta hai taaki aap dekh sakein ki rising instalment same period mein flat instalment se kaisi hai.
Yeh kaise kaam karta hai
Instalment 12 months tak flat rehti hai, phir aapke chune gaye step-up percentage se badhti hai, aur yeh poore period ke liye har saal repeat hota hai, saath mein aapke chune gaye annual return par compound hote hue.
Har input ka matlab kya hai
- Starting monthly SIP amount
- Year 1 ki instalment, kisi bhi step-up se pehle.
- Annual step-up
- Monthly amount saal mein ek baar kitna badhta hai — aapki apni income growth ke liye koi recommendation nahi.
- Expected annual return
- Illustration ke liye aapke dwara chuni gayi assumption, koi promised return nahi.
- Investment period (years)
- Step-up SIP kitne saal tak chalti rahti hai.
Results ka matlab kya hai
- Total invested
- Poore period mein har (rising) instalment ka total.
- Estimated gain
- Future value aur total invested ke beech ka difference.
- Estimated future value
- Rising instalments kitna badhne ka anumaan hai.
- Final year's monthly SIP
- Sabhi step-ups ke baad, final year tak instalment amount kitni ho jaati hai.
Assumptions
- Step-up percentage aur return dono poore period mein har saal exactly entered ke hisaab se apply hote hain.
- Step-up saal mein ek baar, schedule par hota hai — gradually ya irregularly nahi.
Limitations
- Real income growth aur mutual fund returns shayad hi kabhi har saal ek hi fixed percentage follow karte hain.
- Yeh calculator kisi bhi saal mein pause, missed step-up, ya step-down ko model nahi karta.
Aam galtiyan
- Yeh maan lena ki ek higher step-up percentage apni income ke liye automatically achievable hai — yeh sirf ek illustrative assumption hai.
- Final year ki monthly SIP figure ko directly ek flat SIP ki fixed amount se compare karna, total invested compare kiye bina.
Udaharan
Jaise, ₹10,000/month se start, 10% annual step-up, 12% assumed return par, 10 saal mein, ek flat ₹10,000 SIP ke comparison mein kaafi zyada future value dikhata hai.
FAQ
Kya yahan dikhaya gaya future value guaranteed hai?
Nahi. Aapke dwara chuna gaya annual return sirf illustration ke liye ek assumption hai — mutual fund returns market-linked hain aur guaranteed nahi.
Mujhe kaunsa step-up percentage use karna chahiye?
Koi ek correct figure nahi hai — yeh depend karta hai ki aapki apni income kaise badhne ki sambhavna hai. Quick-select values neutral illustrative options hain, koi recommendation nahi.
Step-up actually kya add karta hai dekhne ke liye simple SIP Calculator (flat monthly amount) se compare karein.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.