Raising the instalment each year — in step with a salary — is the quiet way to a much larger corpus. The comparison shows what the same starting SIP builds with and without the step-up.
₹
%
%
yrs
Results
With the step-up₹86.84 Linvested ₹38.13 L
Flat SIP₹50.46 Linvested ₹18.00 L
Extra corpus₹36.38 Lfor ₹20.13 L more invested
Instalment in the last year₹37,9753.8x the start
Corpus with and without the step-up
Growth comparison over 15 yearsStep-up SIPFlat SIP
Year by year
15 annual snapshots
| Year | Monthly SIP | Invested so far | Step-up value | Flat value |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,28,093 | ₹1,28,093 |
| 2 | ₹11,000 | ₹2,52,000 | ₹2,85,241 | ₹2,72,432 |
| 3 | ₹12,100 | ₹3,97,200 | ₹4,76,410 | ₹4,35,076 |
| 4 | ₹13,310 | ₹5,56,920 | ₹7,07,323 | ₹6,18,348 |
| 5 | ₹14,641 | ₹7,32,612 | ₹9,84,570 | ₹8,24,864 |
| 6 | ₹16,105 | ₹9,25,873 | ₹13,15,734 | ₹10,57,570 |
| 7 | ₹17,716 | ₹11,38,461 | ₹17,09,527 | ₹13,19,790 |
| 8 | ₹19,487 | ₹13,72,307 | ₹21,75,956 | ₹16,15,266 |
| 9 | ₹21,436 | ₹16,29,537 | ₹27,26,501 | ₹19,48,215 |
| 10 | ₹23,579 | ₹19,12,491 | ₹33,74,326 | ₹23,23,391 |
| 11 | ₹25,937 | ₹22,23,740 | ₹41,34,516 | ₹27,46,148 |
| 12 | ₹28,531 | ₹25,66,114 | ₹50,24,342 | ₹32,22,522 |
| 13 | ₹31,384 | ₹29,42,725 | ₹60,63,565 | ₹37,59,311 |
| 14 | ₹34,523 | ₹33,56,998 | ₹72,74,790 | ₹43,64,180 |
| 15 | ₹37,975 | ₹38,12,698 | ₹86,83,849 | ₹50,45,760 |
Assumptions & formula
The SIP of year y is
A × (1 + step)ʸ⁻¹; each instalment compounds monthly from the start of its month to the end of the period.- The step-up applies on each anniversary; returns are constant.
Calculators are for information and planning. Outputs depend on the inputs and assumptions you enter and are not a recommendation to buy, sell or hold any security or product. Streetgains Technologies Private Limited is a SEBI Registered Research Analyst (INH000017082); it is not a loan provider, tax adviser or mutual fund distributor.