Step-Up SIP Calculator (Inflation-Adjusted)
Project a step-up SIP where you raise your monthly investment each year, and — unlike most calculators — see the inflation-adjusted value of your final corpus in today's money.
Step-Up SIP Details
₹10,000
SIP rises 10% every year
Maturity Value
₹86.84 Lakh
Real value today: ₹36.23 Lakh · 10% step-up
Total Invested
₹38,12,698
Wealth Gained
₹48,71,152
Real Value (today)
₹36,23,467
Year-by-Year Growth
| Year | Invested | Value | Real Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹1,20,843 |
| 2 | ₹2,52,000 | ₹2,85,241 | ₹2,53,864 |
| 3 | ₹3,97,200 | ₹4,76,410 | ₹4,00,003 |
| 4 | ₹5,56,920 | ₹7,07,323 | ₹5,60,266 |
| 5 | ₹7,32,612 | ₹9,84,570 | ₹7,35,728 |
| 6 | ₹9,25,873 | ₹13,15,734 | ₹9,27,541 |
| 7 | ₹11,38,461 | ₹17,09,527 | ₹11,36,933 |
| 8 | ₹13,72,307 | ₹21,75,956 | ₹13,65,221 |
| 9 | ₹16,29,537 | ₹27,26,501 | ₹16,13,811 |
| 10 | ₹19,12,491 | ₹33,74,326 | ₹18,84,206 |
| 11 | ₹22,23,740 | ₹41,34,516 | ₹21,78,012 |
| 12 | ₹25,66,114 | ₹50,24,342 | ₹24,96,944 |
| 13 | ₹29,42,725 | ₹60,63,565 | ₹28,42,836 |
| 14 | ₹33,56,998 | ₹72,74,790 | ₹32,17,647 |
| 15 | ₹38,12,698 | ₹86,83,849 | ₹36,23,467 |
How It Works
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year, typically matching your annual salary hike. This dramatically grows your final corpus versus a flat SIP, because you invest progressively more during the high-compounding later years. The maths treats each year's contributions as compounding monthly at your expected return, then steps up the monthly amount at each year boundary. What sets a good calculator apart is showing the inflation-adjusted (real) value — most tools quote only the big nominal number, but ₹1 crore in 20 years buys far less than ₹1 crore today. By discounting the final corpus by your expected inflation rate, this calculator shows what your money is actually worth in today's purchasing power — the number that truly matters for goal planning. It also compares your step-up SIP against a flat SIP so you can see the extra wealth the annual increase creates.
Formula
Each month: corpus = (corpus + SIP) × (1 + r/12); the SIP amount increases by the step-up % every year. Real value = nominal corpus ÷ (1 + inflation)^years.
Frequently Asked Questions
What is a step-up SIP?
A SIP where you increase the monthly investment by a set percentage each year — often 10%, matching typical salary growth. It builds a much larger corpus than a flat SIP because your contributions rise over time.
Why show inflation-adjusted returns?
A ₹5 crore corpus in 25 years sounds huge, but at 6% inflation it buys what about ₹1.16 crore buys today. The real (inflation-adjusted) value shows your corpus in today's purchasing power — the number that matters for planning goals.
How much should I step up my SIP each year?
A common choice is 10%, aligned to average annual salary hikes. Even 5-10% compounds into a substantially larger corpus over 15-20 years. Choose a rate you can realistically sustain as your income grows.
Is a step-up SIP better than a lumpsum?
They suit different situations. SIPs (including step-up) average your purchase cost over time and suit regular income; a lumpsum suits a one-time surplus. Step-up SIPs are especially powerful for salaried investors whose income rises each year.
Are the returns guaranteed?
No. SIPs into mutual funds are market-linked and returns vary — the expected return here is an assumption, not a promise. Past performance does not guarantee future results.