Calculate your mutual fund SIP maturity value with annual step-up. Enter monthly SIP, expected return and tenure to see total invested, wealth gained and final corpus instantly.
Each month's SIP is compounded at expected return ÷ 12Every 12 months the monthly amount rises by the step-up %Maturity corpus = sum of all stepped-up instalments with compoundingWealth gained = corpus − total investedSearches like SIP calculator 20000 per month 10 years dominate India's finance queries because the answer compounds beautifully: at 12%, that SIP builds roughly 46 lakh from 24 lakh invested, and a 10% annual step-up pushes it near 67 lakh. Enter your numbers and watch the corpus, invested total and wealth-gained rows update instantly.
The step-up is the real wealth lever here: raising contributions with income (20,000 to 22,000 to 24,200 rupees) beats static SIPs without needing market timing. Compare against one-time investing on our Lumpsum page, or against each other on SIP vs Lumpsum.
For SIP vs RD returns researchers: market-linked SIPs have no guaranteed rate, so try 10% and 12% scenarios side by side, and remember every SIP instalment gets its own 12-month LTCG clock for tax.
A step-up (or top-up) SIP automatically increases your monthly investment by a fixed percentage every year. For example, a ₹20,000 SIP becomes ₹22,000 after one year at a 10% step-up, so contributions keep pace with rising income.
Indian equity mutual funds have delivered roughly 10–14% annualised over long periods, but future returns are not guaranteed. Try 10% for a conservative scenario and 12% for an optimistic one.
No. This tool is for education only. Mutual fund investments are subject to market risks; read all scheme documents carefully and consult a SEBI-registered adviser before investing.
With a fixed monthly SIP you automatically buy more units when NAVs are low and fewer when they are high. This averaging is why continuing SIPs through flat or falling markets builds more units for the eventual recovery.
Yes. Most fund houses allow you to pause a SIP for a few months or modify the amount and step-up percentage online without closing the folio.
The folio continues; only that month's investment is skipped. But repeated failed auto-debits can lead your bank to levy charges and the AMC to cancel the SIP after several consecutive failures.
Last updated: 14 Oct 2026, 00:14 IST