All Digi HubSIP calculator with yearly step-up and inflation
See what steady monthly saving could grow into, with an optional lump sum, a yearly step-up and the effect of inflation. The calculator shows what you put in, the growth, and the value in today's money. It is free, needs no sign-up, is for learning and planning only, and your numbers stay on your device.
How it works
The calculator works month by month. The monthly rate is the yearly return ÷ 12. Each month, that month's saving is added and the balance grows: balance = (balance + saving) × (1 + monthly rate). Savings go in at the start of each month. Any one-time amount is the starting balance.
With a step-up, the monthly saving rises once a year: saving in year y = first saving × (1 + step-up %)^(y − 1). The value in today's money = final value ÷ (1 + inflation)^years. The tool also shows what starting five years later would leave you with. Returns are assumptions you choose, not predictions.
How to use it
- Enter your monthly saving and any one-time amount invested today.
- Enter the expected yearly return and the number of years.
- Add the yearly step-up percentage and the inflation rate.
Questions
What is a step-up SIP?
A step-up SIP raises your monthly investment by a fixed percentage each year, usually as your income grows. Even a 10% yearly increase can make a large difference over 15 or 20 years. Try different step-ups in the calculator to compare.
Why show the value in today's money?
Prices rise over time, so a large future amount buys less than it would today. Dividing by (1 + inflation)^years shows what the final sum would be worth in today's prices, which is a more honest number for planning goals.
Is this investment advice?
No. This calculator is for learning and planning only, not investment advice. Returns are never guaranteed and real markets go up and down. Speak to a qualified adviser before choosing where to invest.
Is my data saved?
No. The calculator is free, needs no sign-up and runs in your browser. Your numbers stay on your device unless you choose to copy the result, share it on WhatsApp, save a PDF or send it to us.
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