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Step-up SIP Calculator
See how raising your SIP a little every year grows your wealth.

Your Investment

Drag the sliders — results update instantly.

Monthly SIPThe amount you invest every month
₹500₹2,00,000
Expected Annual GrowthThe average yearly return you assume — your choice, not a DhanRadar prediction
1%30%
Investment PeriodHow many years you stay invested
1 yr40 yrs
Estimated Future Wealth
₹2,17,09,624
From ₹25,000/month over 15 years
Money You Invest
₹95,31,745
Total contributions
Profit Earned
₹1,21,77,879
Growth on your money
Wealth Multiplier
2.3×
Your money grows this many times
Growth Over Time
Invested vs Wealth
₹0₹56.99L₹1.14Cr₹1.71Cr₹2.28Cr0y3y6y9y12y15yYear 0 · ₹0Invested ₹0
Estimated WealthMoney Invested
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What If…

Small changes, big impact
Invest ₹5,000 more₹30K/mo
₹2.61Cr
+₹43.42L vs now
Stay invested 5 years longer20 yrs
₹4.97Cr
+₹2.8Cr vs now
Earn 2% more14%
₹2.55Cr
+₹38.16L vs now
Earn 2% less10%
₹1.86Cr
−₹31.15L vs now
Without step-upflat
₹1.26Cr
−₹90.95L vs now
Worth in today’s money@6% inflation
₹90.59L
₹1.27Cr less
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AI Insights

DhanRadar AI

Invest ₹5,000 more changes this estimate by about ₹43.42L — small, steady changes add up.

Staying invested 5 more years adds roughly ₹2.8Cr. Time in the market tends to matter most.

At 6% inflation, this ₹2.17Cr would buy what ₹90.59L buys today — plan for real, not just nominal, wealth.

Your 10% yearly step-up is doing a lot of the work here — growing the amount with your income compounds hard.

For education only — not investment advice. These insights illustrate how your own inputs change an estimate; they are not recommendations to buy, sell, or hold any fund. Estimates assume a constant annual return, which real markets do not provide.

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Year-by-Year Growth

YearInvestedWealthProfitMultiple
Year 1₹3L₹3.2L+₹20K1.07×
Year 2₹6.3L₹7.13L+₹83K1.13×
Year 3₹9.93L₹11.91L+₹1.98L1.20×
Year 4₹13.92L₹17.68L+₹3.76L1.27×
Year 5₹18.32L₹24.61L+₹6.3L1.34×
Year 6₹23.15L₹32.89L+₹9.75L1.42×
Year 7₹28.46L₹42.74L+₹14.28L1.50×
Year 8₹34.31L₹54.4L+₹20.09L1.59×
Year 9₹40.74L₹68.16L+₹27.42L1.67×
Year 10₹47.81L₹84.36L+₹36.55L1.76×
Year 11₹55.59L₹1.03Cr+₹47.77L1.86×
Year 12₹64.15L₹1.26Cr+₹61.46L1.96×
Year 13₹73.57L₹1.52Cr+₹78.02L2.06×
Year 14₹83.92L₹1.82Cr+₹97.94L2.17×
Year 15₹95.32L₹2.17Cr+₹1.22Cr2.28×
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Where Your Wealth Comes From

Total₹2.17Cr
Money You Invest₹95,31,74544%
Profit Earned₹1,21,77,87956%

56% of your estimated wealth is profit — the power of compounding. The longer you stay invested, the more this share tends to grow.

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Related Calculators

Future Wealth₹2.17Cr

Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.