Step-Up SIP Calculator

Calculate mutual fund maturity value when monthly investment increases annually.

Overview

Calculates mutual fund maturity wealth when regular monthly SIP contributions increase by a fixed percentage or amount every year.

Corpus = Sum over years of: Year_k_SIP × Compound_Growth_Factor

Simulates annual top-ups (e.g. 10% increase every 12 months) aligned with career salary increments.

Inputs: Starting SIP = ₹10,00,00? No, ₹10,000 | Step-Up = 10% per year | Expected Return = 12% | Tenure = 15 Years

Year 1: ₹10,000/mo; Year 2: ₹11,000/mo; Year 5: ₹14,641/mo; Year 15: ₹37,975/mo
Total invested capital with annual step-ups = ₹38,12,680
Compounded final maturity corpus = ₹98,42,150 (compared to ₹50.45 Lakhs for a flat ₹10k SIP)

Summary: Total Invested = ₹38.13 Lakhs | Final Maturity = ₹98.42 Lakhs | Extra Wealth vs Flat SIP = +₹47.97 Lakhs

Career Growth Alignment: Automatically increase mutual fund contributions as annual salary appraisals arrive.
Early Retirement Acceleration: Build wealth significantly faster without feeling immediate cash flow pinch.
Inflation Countering: Prevent inflation from reducing the real purchasing power of your monthly investment amounts.

Your fund house automatically increments your monthly debit amount by a specified percentage (e.g. 10%) or fixed sum (e.g. ₹1,000) every 12 months.

Yes, most mutual fund platforms let you set a maximum ceiling amount beyond which the SIP continues flat.

An annual step-up of 5% to 10% matches standard corporate salary increments comfortably.

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