Calculator
SIP Calculator + Step-Up
See how a monthly SIP compounds into wealth — and how an annual step-up of just 5–10% can transform the outcome.
Investment Details
₹
₹500₹5,00,000
1 yr40 yrs
%
1%20%
%
0%25%
Your SIP Forecast
Total Invested
₹0
Wealth Gained
₹0
Future Value
₹0
How This Is Calculated
We use the future-value-of-annuity formula: FV = P × ((1 + r)n − 1) / r × (1 + r), where P is monthly contribution, r is monthly return (annual÷12), and n is total months. With step-up, P increases by the chosen percentage at the start of each year.
Try this: ₹10,000/month for 20 years at 12% returns ≈ ₹98.9 lakh. Add a 10% annual step-up and the same starting SIP grows to ≈ ₹1.85 crore. That’s the power of consistent escalation.
Real Numbers, Real Plan
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