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%
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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