Assumes you can increase your SIP by the chosen % every year.
Math verified for FY 2026-27
Want this reviewed by a real advisor? AI + ADVISOR
Our AI drafts a personalized plan from your numbers; a SEBI-registered advisor reviews and replies within 24 hours. Free, no signup.
Year-by-Year Breakdown
InvestedInvestment value
Year
Invested
Returns
Value
1
₹1,20,000
₹8,093
₹1,28,093
2
₹2,52,000
₹32,367
₹2,84,367
3
₹3,97,200
₹76,284
₹4,73,484
4
₹5,56,920
₹1,43,874
₹7,00,794
5
₹7,32,612
₹2,39,819
₹9,72,431
6
₹9,25,873
₹3,69,545
₹12,95,418
7
₹11,38,461
₹5,39,333
₹16,77,793
8
₹13,72,307
₹7,56,440
₹21,28,746
9
₹16,29,537
₹10,29,238
₹26,58,775
10
₹19,12,491
₹13,67,374
₹32,79,865
End
₹19,12,491
₹13,67,374
₹32,79,865
Formula & SourceStep-Up SIP Calculator
For each year y (0 to Y-1):
yearAmount = P × (1 + S)^y
yearFV = SIP_FV for 12 months at yearAmount
finalContribution = yearFV × (1 + R)^(Y-y-1)
totalFV = sum of all finalContributions
Source: Step-up SIP formula with annual increment
Frequently Asked Questions
It matches your investment to salary growth. A 10% annual step-up roughly keeps pace with typical salary hikes and inflation.
8-12% is realistic. Match it to your expected annual hike. Even 5% step-up dramatically beats flat SIP over 15+ years.
All formulas are verified against the original government notification or Act (cited in the source line below the result). Numbers update in under a second on any input change, with no rounding-of-thousands like some competitors. For tax, slabs are sourced from the current Finance Act; for small savings, rates come from the quarterly government notification.
Yes — click "Save" below the result. Scenarios are stored in your browser (no signup, no server), and you can view all saved scenarios at /scenarios. To share, click "Share" and your inputs encode into the URL so the recipient lands on the same view.
Yes — click "PDF" below the result. It uses your browser's print-to-PDF, formatted with a clean stylesheet that hides navigation and shows only the calculation, breakdown, and chart. Works offline.
No. Every calculator runs entirely in your browser — your inputs never reach our servers. Scenarios you save are kept in localStorage on your device. We collect anonymous visit counts only for the live counter shown in the footer.
Yes — every calculator is verified for FY 2026-27 (post Finance Act 2025). The "Last reviewed" stamp at the bottom of every page tells you when the math was last re-checked. If you spot an out-of-date number, write to us at /contact.