Step-up SIP Calculator

SIP that increases by a fixed percentage every year

Invested amount₹38,12,698
Est. returns₹48,71,152
Total value₹86,83,850

Growth over time

Year-wise breakdown
YearInvested amountEst. returnsTotal
1₹1,20,000₹8,093₹1,28,093
2₹2,52,000₹33,241₹2,85,241
3₹3,97,200₹79,210₹4,76,410
4₹5,56,920₹1,50,403₹7,07,323
5₹7,32,612₹2,51,958₹9,84,570
6₹9,25,873₹3,89,861₹13,15,734
7₹11,38,461₹5,71,067₹17,09,528
8₹13,72,307₹8,03,649₹21,75,956
9₹16,29,537₹10,96,963₹27,26,500
10₹19,12,491₹14,61,835₹33,74,326
11₹22,23,740₹19,10,776₹41,34,516
12₹25,66,114₹24,58,227₹50,24,341
13₹29,42,725₹31,20,840₹60,63,565
14₹33,56,998₹39,17,792₹72,74,790
15₹38,12,698₹48,71,152₹86,83,850

Results are estimates for illustration only and not financial advice. Actual returns vary.

About the Step-up SIP Calculator

A step-up SIP raises your monthly investment by a fixed percentage every year, matching the way your income grows. Even a small yearly increase can make a big difference over 15 to 20 years.

Enter your starting SIP, the yearly step-up, the expected return and the number of years.

Formula used

Each year the monthly amount is multiplied by (1 + step-up %). Each month: balance = (balance + SIP) × (1 + annual rate ÷ 12).

Frequently asked questions

How much should I step up every year?

Many people choose 5% to 10%, in line with their salary increase. Choose an amount you can keep up.

Is a step-up SIP better than a flat SIP?

It usually builds a larger corpus because you invest more over time. The extra amount is the cost.

Can I automate the step-up?

Many fund houses and platforms offer a top-up or step-up option when you start the SIP.

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