e309 Calculator / Step-up SIP calculator / What does a ₹4,000 SIP with a 12% annual step-up grow to in 20 years?

What does a ₹4,000 SIP with a 12% annual step-up grow to in 20 years?

Based on these numbers, this step-up SIP grows to about ₹93,56,009 — ₹34,58,517 invested, ₹58,97,491 in estimated returns.

12%
12% p.a.
20 years
Invested: ₹34,58,517 (37%)Returns: ₹58,97,491 (63%)

How this grows over time

₹0₹50L₹1CrYr 0Yr 5Yr 10Yr 15Yr 20

What is a step-up SIP?

A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year, so your contributions grow in line with your income — this typically builds a meaningfully larger corpus than a flat SIP of the same starting amount, since later years contribute more while still benefiting from long compounding on the earlier, smaller instalments.

Also known as an incremental SIP or top-up SIP — same idea, different names people search for it by.

More about step-up sip calculator

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