SIP Returns Calculator
Project the returns of a step-up (top-up) SIP and see the maturity value in today’s money after inflation.
What is the SIP Returns Calculator?
A step-up SIP increases your monthly investment by a fixed percentage each year, usually in line with salary hikes. Even small annual increases significantly boost the final corpus.
How does it work?
The SIP amount increases once every 12 months by the step-up percentage. Each instalment compounds monthly at the expected return. The inflation-adjusted value divides the maturity by (1 + inflation)^years.
Formula
Instalment in year k = P × (1 + step-up)^(k−1)
Value_m = (Value_(m−1) + Instalment) × (1 + i)
Example
₹10,000 per month with a 10% yearly step-up for 15 years at 12% grows to about ₹86.8 lakh, versus about ₹50.5 lakh without step-up.
Frequently asked questions
What is a good step-up percentage?
Many investors match it to expected salary growth, typically 5–10% per year.
Why show value in today’s money?
Inflation reduces purchasing power. The real value tells you what the corpus would buy at today’s prices.
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