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Step-Up SIP Calculator

↻ Updated FY 2026-27

A step-up (top-up) SIP raises your monthly instalment by a fixed percentage every year. See how increasing contributions with your income supercharges the final corpus.

Educational calculators — always consult a licensed professional before making financial decisions.

Your inputs

Starting monthly SIP

Annual step-up

Expected annual return

Investment period

Maturity value

₹86,83,849

after 15 years

Total invested

₹38,12,698

stepping up 10%/yr

Estimated gains

₹48,71,152

128% on invested

Corpus growth12% · 15 yr

year 1year 15

Invested vs gains

Invested₹38,12,698

Estimated gains₹48,71,152

ASSUMPTIONS — Your SIP instalment rises 10% at the start of each year and is invested monthly at a constant 12% return. Mutual fund returns are market-linked and not guaranteed — actual returns vary. Figures are before taxes, exit loads and inflation.

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SIP SIP Goal Lumpsum

Sources & rate references

·Income Tax Department, India — tax slabs FY 2026-27 — New & old regime slabs, standard deduction, 87A rebate (AY 2027-28)
·Ministry of Finance — small savings interest rates (Jul–Sep 2026) — PPF 7.1%, SSY 8.2%, SCSS 8.2%, NSC 7.7%, KVP 7.5%, POMIS 7.4% — unchanged
·GST Council (56th meeting) — GST 2.0 rate structure — Slabs 0/5/18/40% effective 22 Sep 2025
·EPFO — EPF interest rate — 8.25% p.a. (latest declared)
·Income Tax Department — capital gains (Budget 2024 rules) — Equity STCG 20%, LTCG 12.5% over ₹1.25L
·AMFI — SIP is market-linked; returns are assumptions

Rates, brackets and limits here are checked against primary sources. If a number still looks off, email support@realmoneyiq.com and we'll review and fix it.

RealMoneyIQ provides free educational calculators, not financial, tax, investment or legal advice. Results are estimates based on the assumptions you enter and publicly published rates; your actual outcome will differ. Always confirm decisions with a licensed professional who knows your full situation.