Calculate future corpus when your monthly mutual fund SIP increases by a set percent yearly.
Result
Mutual fund investments are subject to market risks. Projections are mathematical estimates based on steady annual return compounding.
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P_y = P_1 x (1 + StepUp/100)^(y-1) | Monthly compound growth
Starting ₹10,000/month with 10% annual step-up for 15 years at 12% return.
Estimated maturity: ₹84.93 Lakh | Total invested: ₹38.13 Lakh | Wealth gained: ₹46.81 Lakh.
Estimate maturity value, invested amount, and gains from monthly mutual fund SIPs.
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Open calculatorA Step-Up (or Top-Up) SIP is an automated mutual fund feature where your monthly investment increases by a predetermined percentage or fixed amount once each year, aligning your contributions with salary hikes.
By increasing your contribution each year as your income grows, you deploy more capital into the compounding engine earlier, resulting in substantially higher terminal wealth than a flat monthly SIP.
Most working professionals experience annual salary increments of 5% to 15%. Maintaining a stagnant flat SIP leaves surplus cash idle or subject to lifestyle inflation.
A modest 10% annual top-up often generates 50% to 100% greater terminal wealth over 15 to 20 years compared to an unchanged SIP contribution.