Step-Up SIP Calculator: Can a ₹10,000 SIP Build a ₹5 Crore Retirement Corpus?

A ₹5 crore retirement corpus can look intimidating at first glance, but it becomes easier to understand when you break it into a simple, repeatable investing habit and a gradual annual increase. 

The Retirement Corpus Goal and the Assumption Set 

Let us assume Mr A starts at age 30 and invests for 30 years. 

Here are the inputs used in a step-up SIP calculator. 

• Starting SIP amount: ₹10,000 per month
• Annual step up: 5%
• Expected rate of return: 12% annualised
• Investment duration: 30 years 

These inputs are assumptions for illustration and are meant for information only. 

What the Step-Up SIP Calculator Output Shows 

Based on the above inputs, the step up SIP calculator outcome is as follows. 

• Estimated corpus after 30 years: ₹5,27,36,327
• Total invested amount: ₹79,73,388
• Estimated returns: ₹4,47,62,939 

In simple terms, the invested amount is what goes from your pocket into the SIP over the years. The estimated returns represent the growth generated over time through compounding. 

Read More: SIP Calculator: How ₹25,000 SIP Beats ₹50,000; Why Longer Tenure Matters More Than Larger Amounts! 

Why the Step-Up Feature Changes the Outcome 

If your SIP stays at ₹10,000 for the full 30 years, the contribution pace remains flat. With a 5% annual step up, your monthly SIP rises gradually, which increases the total contribution over time and also allows the later contributions to compound. 

This combination of disciplined investing and annual increase is what helps the final value move closer to the ₹5 crore mark under the assumed return. 

What a Step-Up SIP Means? 

A Step-Up SIP is a Systematic Investment Plan where you increase your monthly contribution every year by a fixed %. 

Instead of keeping the SIP amount constant, you raise it gradually as your income rises. This is often used for long term goals like building a retirement corpus. 

Conclusion 

A step-up SIP calculator shows that a ₹10,000 monthly SIP with a 5% yearly step up, assumed to earn 12% annualised over 30 years, can reach roughly ₹5 crore. This illustration is for informational purposes only and does not suggest or recommend any action. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments are subject to market risks, read all scheme‑related documents carefully.