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Step Up SIP Calculator
Raise your monthly SIP once a year and see what that does to your final corpus, next to the same SIP left flat.
Enter your starting installment, the annual step-up, how long you plan to invest and the return you expect. Everything is calculated in your browser and nothing is stored.
Your SIP plan
What you invest every month to begin with
Whole years, up to 60
An assumption, not a guarantee
Stepping up 10% a year, your monthly installment reaches $37,974.98 in the final year.
Estimated value
$8,683,849.43
After 15 years of investing with an annual step-up.
- Total invested
- $3,812,697.80
- Estimated gains
- $4,871,151.63
- Flat SIP value (no step-up)
- $5,045,760.00
- Extra corpus from stepping up
- $3,638,089.44
Projections are estimates based only on the numbers you entered, and are not investment advice.
Track your real SIPsA free Finwise account tracks SIP plans and each confirmed installment against your actual investments.
Invested amount against projected value
The gap between the two lines is the compounding your installments earn.
Year-by-year breakdown
Year 1
- Monthly amount
- $10,000.00
- Invested that year
- $120,000.00
- Cumulative invested
- $120,000.00
- Projected value
- $128,093.28
Year 2
- Monthly amount
- $11,000.00
- Invested that year
- $132,000.00
- Cumulative invested
- $252,000.00
- Projected value
- $285,241.32
Year 3
- Monthly amount
- $12,100.00
- Invested that year
- $145,200.00
- Cumulative invested
- $397,200.00
- Projected value
- $476,409.93
Year 4
- Monthly amount
- $13,310.00
- Invested that year
- $159,720.00
- Cumulative invested
- $556,920.00
- Projected value
- $707,322.79
Year 5
- Monthly amount
- $14,641.00
- Invested that year
- $175,692.00
- Cumulative invested
- $732,612.00
- Projected value
- $984,570.40
Year 6
- Monthly amount
- $16,105.10
- Invested that year
- $193,261.20
- Cumulative invested
- $925,873.20
- Projected value
- $1,315,734.08
Year 7
- Monthly amount
- $17,715.61
- Invested that year
- $212,587.32
- Cumulative invested
- $1,138,460.52
- Projected value
- $1,709,527.15
Year 8
- Monthly amount
- $19,487.17
- Invested that year
- $233,846.05
- Cumulative invested
- $1,372,306.57
- Projected value
- $2,175,955.55
Year 9
- Monthly amount
- $21,435.89
- Invested that year
- $257,230.66
- Cumulative invested
- $1,629,537.23
- Projected value
- $2,726,500.50
Year 10
- Monthly amount
- $23,579.48
- Invested that year
- $282,953.72
- Cumulative invested
- $1,912,490.95
- Projected value
- $3,374,326.26
Year 11
- Monthly amount
- $25,937.42
- Invested that year
- $311,249.10
- Cumulative invested
- $2,223,740.05
- Projected value
- $4,134,516.27
Year 12
- Monthly amount
- $28,531.17
- Invested that year
- $342,374.00
- Cumulative invested
- $2,566,114.05
- Projected value
- $5,024,341.50
Year 13
- Monthly amount
- $31,384.28
- Invested that year
- $376,611.41
- Cumulative invested
- $2,942,725.46
- Projected value
- $6,063,565.35
Year 14
- Monthly amount
- $34,522.71
- Invested that year
- $414,272.55
- Cumulative invested
- $3,356,998.00
- Projected value
- $7,274,789.96
Year 15
- Monthly amount
- $37,974.98
- Invested that year
- $455,699.80
- Cumulative invested
- $3,812,697.80
- Projected value
- $8,683,849.43
How a step-up SIP works
An ordinary SIP invests the same amount every month for the whole period. A step-up SIP raises that amount once every 12 months, usually to match a salary increase, so the installment grows while the habit stays the same.
- 1. Monthly compounding. The expected annual return is divided by twelve and applied each month to the running balance.
- 2. One increase per year. The monthly amount is raised at the start of every new year — by a percentage of the current installment, or by a fixed amount.
- 3. Two effects stack. You invest more in total, and the earlier installments have longer to compound, which is why the gap against a flat SIP widens over time.
- 4. Estimates only. A constant return is a modelling convenience. Actual market returns are uneven and can be negative in any given year.
Step up SIP calculator FAQ
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