Step-up SIP
Raise what you invest every year, as your pay rises, and see how much further it goes than a flat amount.
Your step-up SIP grows to $827K
After 15 years you’ve put in $381,270, and returns add $446,202: 2.2× what you invested.
Shown in future amounts. Turn on Today’s money to adjust for 6% inflation.
Growth over time
From year 14, returns have added more than you’ve put in. Compounding does most of its work at the end.
Years from nowShow the numbers as a table
| Year | You put in | Value |
|---|---|---|
| 1 | $12,000 | $12,766 |
| 2 | $25,200 | $28,342 |
| 3 | $39,720 | $47,190 |
| 4 | $55,692 | $69,845 |
| 5 | $73,261 | $96,918 |
| 6 | $92,587 | $129,109 |
| 7 | $113,846 | $167,218 |
| 8 | $137,231 | $212,163 |
| 9 | $162,954 | $264,988 |
| 10 | $191,249 | $326,890 |
| 11 | $222,374 | $399,230 |
| 12 | $256,611 | $483,562 |
| 13 | $294,273 | $581,656 |
| 14 | $335,700 | $695,528 |
| 15 | $381,270 | $827,472 |
Step-up vs flat
The same start of $1,000 a month, kept flat or raised 10% every year.
Raising it adds about $352K, for $201K more put in.
Year-by-year table15 years
| Year | Monthly | Put in so far | Value at year end |
|---|---|---|---|
| 1 | $1,000 | $12,000 | $12,766 |
| 2 | $1,100 | $25,200 | $28,342 |
| 3 | $1,210 | $39,720 | $47,190 |
| 4 | $1,331 | $55,692 | $69,845 |
| 5 | $1,464 | $73,261 | $96,918 |
| 6 | $1,611 | $92,587 | $129,109 |
| 7 | $1,772 | $113,846 | $167,218 |
| 8 | $1,949 | $137,231 | $212,163 |
| 9 | $2,144 | $162,954 | $264,988 |
| 10 | $2,358 | $191,249 | $326,890 |
| 11 | $2,594 | $222,374 | $399,230 |
| 12 | $2,853 | $256,611 | $483,562 |
| 13 | $3,138 | $294,273 | $581,656 |
| 14 | $3,452 | $335,700 | $695,528 |
| 15 | $3,797 | $381,270 | $827,472 |
How this is calculated
You invest at the start of each month. The balance grows at the monthly version of a 12% yearly return: 0.949% a month.
balance = (balance + monthly) × (1 + 0.949%)
every 12 months: monthly × (1 + 10%)
Today’s money divides an amount in year n by (1 + 6%) to the power n.
Returns are assumed steady. Real markets swing, so treat this as a central case, not a promise. Tax and fund costs aren’t modelled.