Step-up SIP Calculator
A step-up (or top-up) SIP raises your monthly amount every year, usually in line with your pay rise. Set the yearly increase and compare the result with a SIP that never goes up.
Monthly SIP you need in the first year
to reach in , which is in today’s money. Raise it by a year, to in the last year.
Or invest once, today.
Value after
about , from
- Invested
- Gains
- Total value
- In today’s money at inflation
The step-up adds over a flat SIP, which would grow to . Your SIP reaches a month in the last year.
Tax if it is an equity fund and you sell it all at the end: , leaving .
long-term gains at 12.5% above ₹1,25,000, short-term gains on units held 12 months or less at 20%, plus 4% cess. Selling over several years uses the ₹1,25,000 exemption each year.
Your money runs out after
Left after
- Starting corpus
- Total withdrawn
- Returns earned
- Left at the end
At a year the corpus earns about a month. You take out more than that, so the capital shrinks. Withdrawing up to that keeps your capital intact.
Year 1
Gains
The same plan at other returns
Tap a row to use that return.
| Return | Gains | Value |
|---|---|---|
Enter the amount, return and years to see the result.
Year-by-year table
| Year | Monthly SIP | Invested | Gains | Value |
|---|---|---|---|---|
| Year | Withdrawn | Returns | Balance | |
Assumes the same return every year, with monthly growth at the yearly rate ÷ 12; a lumpsum compounds yearly. Real mutual fund returns go up and down, and expense ratios and exit loads are not included. Tax is for equity-oriented funds held by a resident individual: long-term (12+ months) gains at 12.5% above ₹1,25,000 a year, short-term at 20%, plus 4% cess, without surcharge. Rules last checked 17 October 2026 against Budget 2026. This is an estimate, not investment advice.
About the SIP Calculator
The SIP calculator shows what a monthly mutual fund SIP grows to at the return you expect. It also works out a one-time lumpsum, the SIP you need to reach a goal such as ₹1 crore, and how long a systematic withdrawal plan (SWP) lasts. You see the gains, the value in today’s money after inflation, an estimate of the capital gains tax on an equity fund, and a year-by-year table.
How to use it
- 1 Pick SIP, Lumpsum, Goal or SWP.
- 2 Enter the amount, the return you expect each year, and the number of years.
- 3 Add a yearly step-up if you raise your SIP every year, and the inflation rate to see the value in today’s money.
- 4 Read the year-by-year growth, compare other returns, and copy the share link if you need it.
Frequently asked questions
How is SIP return calculated?
Each instalment grows at the monthly rate, which is the yearly return ÷ 12, from the month you pay it until the end. The total is M = P × [(1 + i)ⁿ − 1] ÷ i × (1 + i), where P is the monthly SIP, i the monthly rate and n the number of months. ₹5,000 a month at 12% for 10 years grows to about ₹11.6 lakh, of which ₹6 lakh is what you put in.
What return should I expect from a SIP?
Nobody knows in advance. Large-cap equity funds in India have returned around 10 to 13% a year over long periods, but some years are negative. Debt funds have returned around 6 to 8%. Use a cautious rate, compare a few in the table, and remember that past returns do not promise future ones.
What is a step-up SIP?
A step-up or top-up SIP raises your monthly amount by a fixed percentage every year, usually in line with your pay rise. Raising a ₹5,000 SIP by 10% a year for 15 years at 12% gives about ₹43 lakh, against about ₹25 lakh for a SIP that stays flat.
How much SIP do I need for ₹1 crore?
At a 12% return: about ₹19,800 a month for 15 years, ₹10,000 a month for 20 years, or ₹5,300 a month for 25 years. Use the Goal tab to work it out for your own target, years and return, with inflation if the target is in today’s money.
Is SIP better than lumpsum?
At the same return, a lumpsum grows more because all of the money is invested from day one. A SIP spreads your buying over time, so you buy more units when prices are low, and it fits a monthly salary. If you already have the money and can bear a fall soon after investing, a lumpsum suits; otherwise a SIP is easier.
How are SIP gains taxed?
For equity funds, units held more than 12 months pay long-term capital gains tax of 12.5% on gains above ₹1.25 lakh in a financial year. Units held 12 months or less pay 20% short-term tax. In a SIP each instalment counts separately, so the last 12 months of instalments are short-term. The 4% cess is added on top. Debt funds bought after 1 April 2023 are taxed at your slab rate.
What is an SWP?
A systematic withdrawal plan pays you a fixed amount from your mutual fund each month while the rest stays invested. If you withdraw less than the fund earns, the corpus lasts for ever; if you withdraw more, the calculator tells you when it runs out.
Are these returns guaranteed?
No. The calculator assumes the same return every year, but real mutual fund returns go up and down, and fund expenses and exit loads are not included. Treat the result as an estimate to plan with, not a promise. Tax rules were last checked in October 2026 against Budget 2026.
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