My Money

SIP calculator with step-up

Small amounts, invested regularly and left alone, become large. See how your SIP grows, how much of it is your money vs gains, and what it’s worth in today’s rupees.

₹
₹10 thousand
₹
Already invested, or a bonus you’re putting in now — leave 0 if none
 %
Equity 10–12% · Hybrid 8–10% · Debt 6–7%. Compounded at 0.949% a month, which makes exactly 12.0% a year.
 yrs
 %
Last year’s SIP: ₹37,975/month
Value after 15 years
₹82,74,718
You invest ₹38,12,698 · gains of ₹44,62,020

How it grows

0₹25 L₹50 L₹75 L₹1 CrYr 0Yr 3Yr 6Yr 9Yr 12Yr 15
Your moneyGains

Your money vs the market’s

Multiplied
2.2×
Invested
₹38,12,698
Gains
₹44,62,020
Without step-up
₹47,59,314
The 10% yearly step-up adds ₹35.15 L — 74% more than a flat SIP. From year 14, gains are bigger than everything you’ve put in.
How it’s calculated

The maths, in plain words

Monthly compounding

Each instalment is invested at the start of the month and grows at the monthly rate that compounds to your expected yearly return (12% a year is 0.95% a month, not 1%), as Groww, ET Money and HDFC MF do. Some calculators divide by 12 instead, which shows a little more.

Step-up

Raising your SIP by a fixed % every year, in line with salary hikes, has a huge effect: a 10% step-up roughly doubles the final value over 20 years.

Real value

Prices rise too. Dividing by inflation shows what the final amount can buy in today’s rupees.

Questions

People also ask

Your inputs stay on this device. Use Copy link to save or share a calculation.

What does ₹10,000 SIP for 20 years become?
At 12% a year, about ₹92 lakh — of which only ₹24 lakh is your money. At 10% it’s about ₹72 lakh.
What return should I assume?
Equity funds in India have historically delivered 10–13% over long periods, but nothing is guaranteed. Using 10–12% for equity and 7% for debt is a reasonable, not optimistic, planning range.
Are SIP returns taxed?
Equity fund gains held over a year are long-term capital gains, taxed at 12.5% above ₹1.25 lakh a year. Gains within a year are taxed at 20%.
Understand it

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Fixed and recurring deposit maturity, compounded quarterly.

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Tax-free PPF growth over 15 years and extensions.

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SWP calculator

A monthly income from your investments — and how long it lasts.

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Tax-free savings for your daughter at 8.2%.

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What return did I get?

Your SIP’s real yearly return (XIRR), or the CAGR of any investment.

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Tax on selling shares, mutual funds, gold or property.

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