Quaterly Step Up calculator

Monthly investment
₹
Quarterly step-up
%
Expected return rate (p.a)
%
Time period
Yr
Invested amount₹56,55,094
Est. returns₹40,92,715
Total value₹97,47,810

Your final SIP in month 120 is ₹81,551.

Invested amountEst. returns

Growth multiple: 1.72x

Year-by-year growth

How Quarterly Step-Up SIP Works

A Quarterly Step-Up SIP (Systematic Investment Plan) lets you increase your monthly investment by a fixed percentage every quarter. Unlike a regular SIP where your contribution stays the same, a step-up SIP grows with your income — helping you invest more as you earn more. This compounding effect on contributions, combined with market returns, can significantly boost your long-term wealth.

Frequently Asked Questions

What is a Step-Up SIP?
A Step-Up SIP increases your monthly investment by a fixed percentage at regular intervals (quarterly in this calculator). It helps align your investments with salary hikes.
How is the quarterly step-up applied?
Every 3 months, your monthly SIP amount is multiplied by (1 + step-up %). For example, a ₹10,000 SIP with 5% quarterly step-up becomes ₹10,500 after the first quarter, ₹11,025 after the second, and so on.
Is the return rate guaranteed?
No. The expected return rate is an assumption for illustration purposes. Actual mutual fund returns vary based on market conditions. Past performance is not a guarantee of future results.
What is the growth multiple?
The growth multiple shows how many times your total value exceeds your total invested amount. A 2x multiple means your money has doubled.