Step-up SIP Calculator

How it's calculated

Each month the instalment is added at the start of the month and grows at the monthly rate. After every 12 months the instalment is raised by the step-up percentage. Duration is rounded to whole years.

Why a step-up SIP can build a much larger corpus

A step-up SIP raises your monthly instalment by a fixed percentage every year, usually in line with your salary growth. You barely notice the increase, but over a long period it changes the result a lot.

With the example values, a ₹10,000 SIP raised 10% every year for 15 years at 12% growth reaches about ₹86.8 lakh. The same SIP without any step-up reaches about ₹50.5 lakh, so stepping up adds roughly ₹36 lakh.

Frequently asked questions

What is a step-up SIP?

It is a SIP whose monthly amount increases by a set percentage each year, so your investing keeps pace with your income.

How much should I step up?

A figure close to your expected yearly income growth is a common choice. Try a few values to see how sensitive the result is.

Do all funds allow a step-up?

Many fund houses and platforms offer it, but check with yours. If not, you can raise the amount yourself each year.

How to use the Step-up SIP Calculator

Enter starting monthly sip, yearly step-up, expected return (p.a.), duration. The calculator updates as you type and shows Estimated value, along with the figures behind it. It runs in your browser, so nothing you enter is sent anywhere. Use the Reset button to go back to the example values.