See how raising your SIP every year changes the final corpus
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 22 Oct 2026.Salaries rise most years, and a SIP that rises with them finishes far ahead of one that stays flat. This page starts with a 10% yearly increase: the instalment goes up on each anniversary, and the table shows what went in and what it was worth, year by year. Raising 10,000 a month by 10% a year for 20 years at an assumed 12% puts in about 68.7 lakh and reaches roughly 1.99 crore.
| Year | Invested (cumulative) | Value | Gains |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
Rates and rules read from the sources listed on this page (the earliest on 22 Oct 2026); they may have changed since.
"Step-up SIP" is already on, with "Yearly step-up" at 10%; change the percentage to your yearly raise.
Set the starting "Monthly investment" and the "Expected return".
Set "Time period" in years.
Read the "Estimated value" and "Wealth gain", then turn "Step-up SIP" off to compare a flat SIP.
Press "Share result" to keep the figures.
The SIP calculator estimates how much a systematic investment plan grows to when you invest a fixed amount every month at an assumed annual return. You get the final value, the total you put in, and the gains on top, with a chart and a year-by-year table that update as you move the sliders.
People use it to answer a concrete question before starting a fund: will ₹10,000 a month for 10 years get me to ₹20 lakh, or do I need ₹15,000? Or to compare two plans, such as a 10-year SIP at 12% against a 15-year SIP at 10%, using the Compare A vs B tab.
Real funds do not return the same percentage every year, so treat the figure as a planning estimate rather than a promise. Expense ratios, exit loads and capital gains tax are not included. Estimates for information only, not financial advice.
The rest of the article, and all 7 questions about SIP Calculator, are on the SIP Calculator page.
Yes. There is no signup, no limit on how many times you use it, and no watermark on the shared image. Ads may show in the reserved slot below the tool; they never change the result.
No. The value shown is nominal: before capital gains tax, before the fund's expense ratio and before inflation. A corpus of 1 crore in 20 years buys roughly what 31 lakh buys today at 6% inflation. Use the Inflation Calculator for the real value and FD vs Mutual Fund for the tax.
A SIP where the monthly amount increases by a fixed percentage every year, usually in line with salary growth. Turn on Step-up SIP to see how a 10 percent yearly increase changes the final value.
Yes. Share copies a link that restores the monthly amount, return, period and step-up you entered, so a colleague opens the same figures. Embed gives an iframe snippet that puts the calculator on your own site. The link carries your inputs, so send it only to people you trust.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about SIP Calculator and anybody who knows can answer. No account needed.
Same job, other tools: FD vs SIP Calculator – A recurring deposit against a monthly SIP, after tax.
On the related tools: Payslip Generator – A clean payslip PDF for your staff, made on your own device with nothing uploaded · Child Education Planning Calculator – Plan a college fund: the fee today, the fee then, and the SIP in between.
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