Total invested and corpus value at the end of each year, with the annual step-up applied.
Year
Total invested
Corpus value
1
60000
64047
2
126000
142621
3
198600
238205
4
278460
353661
5
366306
492285
6
462937
657867
7
569230
854764
8
686153
1087978
9
814769
1363250
10
956245
1687163
11
1111870
2067258
12
1283057
2512171
13
1471363
3031783
14
1678499
3637395
15
1906349
4341925
Estimates only — not financial, tax, or professional advice.
100% private — every number you enter is calculated in your browser and never sent to our servers.
What it calculates: Final Corpus, Total Invested, Wealth Gained, Inflation-Adjusted Value.
Updated 5 June 2026 · Transparent assumptions
The escalator compounds before the returns do
Two things compound in a step-up SIP, and the contribution is the first of them. At a 10% annual step-up, a ₹10,000 monthly investment is ₹11,000 in year two, ₹14,641 by year five and ₹23,579 by year ten — the contribution more than doubles before the market has been asked to do anything.
That is why the corpus pulls so far ahead of a flat SIP over long horizons. The extra money arrives early enough in each subsequent year to be compounded by the return for most of the remaining term, rather than being deposited near the end where it earns almost nothing.
Most of the gap is money you paid in, not money the market made
It is tempting to read a step-up SIP as a cleverer investment. It is not — the underlying return is identical. The larger corpus is mostly the larger total investment, and the calculator reports both figures side by side so the split is visible rather than implied.
The genuinely useful comparison is total invested against wealth gained. If the step-up version shows a much bigger corpus but a proportionally bigger amount invested, the plan has not outperformed; it has simply saved more, which is a decision about your budget rather than about markets.
A corpus twenty years out is not worth its face number
The real value output discounts the final corpus back to today at the inflation rate you enter. At 6% inflation, money twenty years from now buys about 31% of what it buys today, so a corpus that looks like a life-changing number on screen is a considerably more ordinary one in current terms.
This matters more for step-up plans than for flat ones, because they are typically run over the longest horizons — and the longer the horizon, the wider the gap between the headline figure and what it will actually purchase.
A constant return, an uninterrupted step-up, and no tax
The projection applies one return every single month. Real markets deliver that average as a sequence of good and bad years, and the order matters: a poor run late in the plan, when the balance is largest, does more damage than the same run at the start.
It also assumes you never miss or reduce a step-up, and it reports a pre-tax figure. Equity gains, debt gains and dividends are taxed differently and at rates that change, so treat the corpus as gross and take advice on what it nets.
Sources & References
Figures on this page are checked against primary, authoritative sources. Links open in a new tab.
Regular InvestmentProject how regular monthly contributions grow over time — SIP-style investing, dollar-cost averaging, inflation-adjusted value, and long-term goals.
InvestmentProject lump-sum and regular-contribution growth, plan a goal, and solve future vs present value, with fees and inflation.
PPFPPF maturity from yearly deposits at the notified rate, split into what you put in and what the interest added.
RetirementProject your retirement pot from current savings, contributions, and growth, and gauge whether it meets your goal.
Results are estimates based on the figures you enter and standard formulas. Rates, fees, taxes, and lender terms vary and change over time, so confirm important numbers with your lender or a qualified professional. This is educational information, not financial advice.
Published the calculator with its formula, worked example, assumptions, limitations and a bespoke guide, and added an automated formula test suite covering it.
Tested the escalating-contribution loop month by month against an independent re-implementation, including the inflation-adjusted real value of the final corpus.
Tested that a zero step-up reproduces a flat SIP exactly, and that total invested always reconciles with the contributions actually made.
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