Step-Up SIP Calculator
Calculate returns with annual SIP increases. Beat inflation by increasing your investment.
Total Invested
₹9,56,245
Est. Returns
₹7,30,918
Total Value
₹16,87,163
How the Step-up SIP Calculator works
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — matching your rising income. This calculator shows how much larger your corpus grows compared with a flat SIP.
Even a small annual step-up (say 10%) can dramatically increase the final corpus because you invest more during the later, higher-compounding years.
Frequently asked questions
What is a step-up SIP?+
A SIP where the monthly amount rises by a set percentage each year, so your investing keeps pace with salary growth.
Is a step-up SIP better than a regular SIP?+
For most earners, yes — increasing contributions over time builds a substantially larger corpus than a fixed SIP for the same starting amount.
What step-up percentage should I choose?+
Many align it with their expected annual salary hike (often 5–10%). Choose a rate you can sustain.