Step-up SIP Calculator

Calculate wealth with annual SIP increases matching your income growth.

Monthly SIP

₹

Starting monthly investment.

Annual Step-up

Yearly SIP increase rate.

Return

Expected annual return.

Duration

Investment period.

Why Step-up SIP?

Match your growing income by increasing SIP annually. 10% step-up can double your corpus vs regular SIP!

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Total Wealth

₹ 0

With 10% annual step-up over 15 years

Invested

Total Invested

0

Gains

Wealth Gained

0

Step-up

Annual Increase

10%

Accelerated Growth

Documentation

How Step-up SIP Works

Step-up SIP allows you to increase your monthly investment by a fixed percentage annually, aligning with salary increments and growing purchasing power.

Example

"₹10K SIP with 10% step-up: Year 1 = ₹10K/mo, Year 2 = ₹11K/mo, Year 3 = ₹12.1K/mo..."

The Formula

SIP_year = SIP₁ × (1 + s)^year-1

Year 15 SIP = ₹ 10,000 × (1 + 0.10)¹⁴ = ₹ 37,975

Where: SIP₁ = Starting SIP (₹ 10,000), s = Step-up Rate (10%).

Last Updated: January 2026

Disclaimer: Returns are market-linked and not guaranteed. This calculator provides estimates based on assumed rates of return. Please consult a financial advisor before investing.