SIP Top-up Calculator
Compare regular SIP against annual top-up SIP.
SIP Top-up Calculator
Year by year
| Invested | Value | Gain | |
|---|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| Year 2 | ₹2,52,000 | ₹2,85,241 | ₹33,241 |
| Year 3 | ₹3,97,200 | ₹4,76,410 | ₹79,210 |
| Year 4 | ₹5,56,920 | ₹7,07,323 | ₹1,50,403 |
| Year 5 | ₹7,32,612 | ₹9,84,570 | ₹2,51,958 |
| Year 6 | ₹9,25,873 | ₹13,15,734 | ₹3,89,861 |
| Year 7 | ₹11,38,461 | ₹17,09,527 | ₹5,71,067 |
| Year 8 | ₹13,72,307 | ₹21,75,956 | ₹8,03,649 |
| Year 9 | ₹16,29,537 | ₹27,26,501 | ₹10,96,963 |
| Year 10 | ₹19,12,491 | ₹33,74,326 | ₹14,61,835 |
Assumption: SIP invested at the start of each monthly. Returns use Nominal (Annual/Periods).
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How this is worked out
Each instalment is added and the balance grows by the annual return divided by the number of instalments a year. A step-up raises the instalment once a year. Returns are assumed, not guaranteed.
About this calculator
Use this calculator to compare regular SIP against annual top-up SIP. It works from Base SIP, Tenure, Expected Return and Annual Top-up, so you can adjust inputs and immediately see how the outcome changes.
- Estimate how increasing your SIP every year can accelerate wealth creation.
- Use it to compare a flat SIP with a growing SIP strategy.
- It helps identify whether future salary growth should be reflected in investment growth too.
This calculator is an illustration based on the inputs you provide and the assumptions stated above. It is not a recommendation, a projection of actual returns, or a guarantee of any outcome. Actual results will differ. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Curious how this looks on your portfolio?
Our team can run these numbers against your real holdings, goals and timeline.