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Estimated value
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Year-wise breakdown
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Increase your SIP every year as your income grows, and see how much more you end up with than a flat SIP.
Fill in the details to see the year-wise breakdown.
Your income rises over time, so your SIP should too. A yearly increase in line with your salary hike puts more money to work in the later years, when compounding is strongest.
Example: ₹10,000 a month at 12% for 20 years gives about ₹99.9 lakh as a flat SIP. With a 10% yearly step-up it grows to about ₹1.99 crore.
Match it to your expected salary growth. 5–10% a year is common.
A step-up is automatic and disciplined. Occasional lumpsum top-ups also help when you get a bonus.
No. Mutual fund returns vary with the market; the calculator assumes a steady rate.
These figures are estimates for planning only and are not financial advice. Actual returns, rates and charges depend on your bank, fund or scheme. Check the latest rates before you invest or borrow.