Calculator
Step-up SIP Calculator
A step-up SIP grows your monthly contribution by a fixed % every year — usually 5–15%. Open the year-by-year breakdown to see how your monthly cheque grows alongside your salary.
Quick start
Future rupees, no inflation discount.
You invest
₹38.1 L
Est. returns
₹48.7 L
Total value
₹86.8 L
Returns share
56.1%
Opens WhatsApp — send this plan to friends & family.
Wealth growth
Year-by-year projection
What every other calculator hides
A 15-year SIP will meet at least one big crash. The smooth chart above assumes you keep investing through it. Here's the same plan with a real crash dropped into year 5 — and what each reaction costs. Same money invested, only the behavior differs.
Sensex fell 38% in 8 weeks, back at highs in ~9 months. Recovery rejoins the long-term trend — as Indian markets have after every crash so far.
crash
Panicked, sold at the bottom
₹51.1 L
Moved everything to a 6% FD and never came back
Froze — paused the SIP
₹78.9 L
Stayed invested but stopped buying till full recovery
Kept the SIP going
₹83.6 L
Every crash month bought units at a discount
Panic costs ₹32.5 L — 39% of your final corpus. The crash was temporary. The exit is permanent.
This crash was simulated. Want to live through a real one, month by month, with real NAVs? Replay it in the Wealth Time Machine →
Same money, elsewhere
This plan
₹86.8 L
In a 6% FD
₹29.2 L
In PPF (7.1%)
₹32.2 L
If parked at par with inflation
₹43.1 L
Total value
₹86.8 L
Invested
₹38.1 L
How this page is produced
Every figure above is computed from the inputs you set above — a monthly amount raised once a year by your step-up %, compounded monthly at your assumed rate, with no fees, exit load or tax deducted. The full method is published, including its limitations.
The step-up is applied on each anniversary, so the later years carry much larger instalments — which is also the assumption to check hardest: the projection only holds if your income supports every raise for the full term. The plain SIP calculator shows the same plan without step-ups, and its Crash Test prices what stopping midway costs.
Written and maintained by Azad Mohammed, who wrote the model behind this tool. Found an error? Tell us — corrections are made and the page rebuilds within the hour.
The numbers on this page are a projection from the assumptions you chose, not a forecast and not a promise — a real fund does not return the same percentage every year, and no calculator can know what yours will do. It is not investment advice and not a recommendation to buy or sell any scheme. Arthkar is not a SEBI-registered investment adviser and does not provide or arrange investment advice. Mutual fund investments are subject to market risk; read all scheme related documents carefully.