Value after 15 years
₹74.4 L
You would put in ₹38.1 L. ₹36.3 L would come from compounding — 49% of the final amount. Last monthly SIP: ₹37,975.
Step-up SIP calculator
₹ per month
years
% per year
An assumption — not a promised return.
% per year
Applied once each year at the start of the year.
What this calculator is
The same SIP illustration, except the monthly amount rises once a year — useful when income may grow, not as a way to chase a higher return.
How to read the result
Compare the teal line (money you actually set aside, including increases) with the navy line (illustrative total). A step-up changes how much you put in. It does not make markets kinder.
Please keep in mind
Figures are illustrative, based only on the assumptions you type. They are not a forecast, guarantee, tax computation or a recommendation to buy any product.
What else you can use
Total invested
₹38.1 L
Growth
₹36.3 L
In today's money
₹31.0 L
After 6% inflation for 15 years
Versus a flat SIP
₹32.6 L
Extra versus keeping the starting amount unchanged
How a step-up SIP may grow over time
Capital investedTotal value
Year by year
| Year | Invested | Growth | Closing |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹6,703 | ₹1,26,703 |
| 2 | ₹1,32,000 | ₹20,640 | ₹2,79,343 |
| 3 | ₹1,45,200 | ₹37,362 | ₹4,61,905 |
| 4 | ₹1,59,720 | ₹57,289 | ₹6,78,914 |
| 5 | ₹1,75,692 | ₹80,904 | ₹9,35,510 |
| 6 | ₹1,93,261 | ₹1,08,756 | ₹12,37,527 |
| 7 | ₹2,12,587 | ₹1,41,459 | ₹15,91,573 |
| 8 | ₹2,33,846 | ₹1,79,720 | ₹20,05,140 |
Related reading
Ready to put a plan into action?
This calculator is illustrative only. When you are ready to start a SIP through North Horizon, register on our partner platform.