Step-Up SIP Calculator —
Real Fund Returns, Growing SIP

Most step-up SIP calculators use a fixed assumed return rate. This one is different — it uses actual historical NAV data and increases your SIP amount every year on the anniversary of your start date.

A Step-Up SIP — also called a Top-Up SIP — is a Systematic Investment Plan where your monthly investment amount increases by a fixed percentage every year. Instead of investing ₹5,000 every month for 10 years, you start at ₹5,000 and increase it by 10% each year. By Year 5 you are investing ₹7,320 per month. By Year 10, ₹11,789 per month.

This mirrors how most people's incomes grow — and it dramatically increases the final corpus compared to a flat SIP. The reason is compounding: larger instalments in the later years benefit from fewer years of growth, but the sheer size of each instalment adds significantly to the corpus. Combined with the compounding effect on earlier instalments, the result is a substantially larger final amount.

Most step-up SIP calculators available online use an assumed annual return — typically 12% — which tells you nothing about how a specific fund actually performed. This calculator is different. It uses the actual historical NAV of the fund you choose, simulates the exact monthly unit purchases with your growing SIP amount, and calculates XIRR across all cash flows — giving you the most accurate picture of what a step-up SIP in a real fund would have actually built.

Note: Table above uses assumed 12% CAGR for illustration. Use the calculator above to see actual results using real historical NAV of any Indian mutual fund — which may be higher or lower than 12% depending on the fund and period chosen.