Step-Up SIP Calculator
A step-up SIP rises every year — typically 5–15%, roughly matching salary hikes. It's the single easiest upgrade to ordinary SIP investing: you barely feel the increase, but compounding treats it like rocket fuel.
The math is striking. A ₹10,000/month SIP at 12% for 15 years gives about ₹50 lakh. Step it up 10% yearly and you land near ₹75 lakh — 50% more wealth for increases you hardly notice month to month.
Four steps, thirty seconds.
Enter your starting monthly SIP. This is what you invest in year one — the step-up builds on it automatically.
Set your annual step-up %. 10% is the popular default; match it to your expected salary growth.
Pick return and horizon. Same as a regular SIP — 10–12% return assumption, 10+ years ideally.
Compare against a flat SIP. Run the same numbers in our regular SIP calculator and see what the step-up bought you.
The method: each year's monthly SIP = M × (1 + s)y−1, where s is the annual step-up. Each year's 12 instalments compound monthly at r = annual ÷ 12, summed across all years.
Worked example: ₹10,000/month, 10% step-up, 12% return, 15 years. Total invested ≈ ₹31.8 lakh; projected value ≈ ₹74.9 lakh. The same flat SIP invests ₹18 lakh for ≈ ₹49.9 lakh — the step-up adds roughly ₹25 lakh of wealth.
Method: year-wise application of the standard SIP future-value formula; step-up conventions follow AMFI-member AMC calculators.
Match your expected salary growth — 8–10% is typical for salaried professionals in India. Even 5% makes a visible difference over 15 years.
Yes — most AMCs let you modify or pause the step-up. The calculator assumes a fixed step-up; real life is more flexible.
Usually yes, because earlier money compounds longer. Automating the increase also beats relying on willpower to invest bonuses.
The mechanics work for any SIP. But step-ups shine most with equity funds over long horizons, where compounding has room to run.
Disclaimer: Educational illustration only — not financial advice. Assumes a fixed annual step-up and constant returns; real salaries and markets both vary.