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What if you increase your monthly investment each year?

Project a step-up Systematic Investment Plan with yearly increases, and compare it with keeping your monthly contribution unchanged.

A SIP means investing regularly in a mutual fund. A step-up raises what you contribute. Increasing contributions invests more of your own money; extra final value is not all extra growth.

Step-up SIP calculator inputs

Use the same currency throughout. Enter numbers without commas or currency symbols, for example 1000.50. Amounts allow two decimal places; rates allow six.

Your starting point

Money already saved or invested. Enter 0 if you are starting from nothing.
An effective annual return before the fees shown here. This is an assumption, not a forecast; returns can be negative.
Use a whole number from 1 to 600. For 5 years, enter 60.

Your investment plan

Invested at each month end.
For example, 10% changes 100 monthly to 110 in year two. First increase is at payment 13.

Calculate once. After that, valid edits update your result automatically.

Understand this estimate

A SIP means investing regularly in a mutual fund. A step-up raises what you contribute. Increasing contributions invests more of your own money; extra final value is not all extra growth.

Worked example

At 0% return, 100 per month in year one and 110 in year two contributes 2520 over 24 months. Keeping 100 each month contributes 2400. The 120 difference is additional money invested.

How we calculate this

The assumed return is effective per year. The monthly growth factor is (1 + yearly return / 100) raised to 1/12.

Each month earns growth on its starting balance, then pays any modelled fees, then receives contributions or makes withdrawals at month end.

Projections retain fractional cents internally and round only for display. Displayed rows can differ by a cent when added. Amounts above 10000000000000 are unsupported. Actual returns vary; tax, inflation and product rules are excluded unless explicitly entered.

SIP stands for Systematic Investment Plan. This step-up model increases the monthly contribution by the chosen percentage after each 12 payments; contributions retain fractional cents.

This is a mutual-fund contribution illustration, not unit allocation, a return guarantee, scheme compliance or investment advice. Taxes, fees and exit loads are excluded.

Sources explain the underlying concepts; this calculator uses the conventions described above. It does not recommend a financial product.

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