How this calculation works
Project a monthly investment that increases once a year by a fixed percentage. The step-up raises the amount you contribute, not the investment return. Compare total invested with the corpus to see whether a larger future balance comes mainly from additional saving or from modelled growth.
Worked example
This example uses illustrative inputs. Your current result is shown above.
Enter ₹1,000 monthly, a 10% annual step-up, 2 years and 0% return to separate the contribution effect. Year 1 deposits are ₹12,000. Year 2 uses ₹1,100 a month, adding ₹13,200. Total invested and final corpus are ₹25,200; investment returns are ₹0.
Assumptions and limits
- The first increase applies after the first 12 monthly deposits.
- Deposits arrive at the beginning of each month and increase by the same percentage every year.
- There is no contribution ceiling, missed payment, tax or separate expense-ratio deduction.
Questions people ask
Is a 10% step-up an extra 10% return?
No. It means paying 10% more per month in the next contribution year. The annual investment return is a separate assumption.
Does a zero step-up reproduce a flat SIP?
Yes, with the same beginning-of-month timing, annual return and duration. The contribution stays at its initial monthly amount.
Will the increase happen every January?
No calendar dates are used. The increase happens after each block of 12 modelled contributions, measured from the plan’s start.