Investment Calculator
Step-Up SIP Calculator
Increase your SIP every year as your salary grows — harness compounding with rising contributions.
Total Invested
Wealth Gained
Future Value
Final Year Monthly SIP
Contribution Split
Year-by-Year Breakdown
| Year | Monthly SIP | Total Invested | Portfolio Value | Gains |
|---|
Projection uses monthly compounding. SIP step-up applies at the start of each year. Results are indicative only.
What is a Step-Up SIP Calculator?
A Step-Up SIP (also called Top-Up SIP) calculator estimates the future value of a Systematic Investment Plan where you increase your monthly contribution by a fixed percentage every year. Unlike a regular SIP where you invest the same amount each month, a step-up SIP grows alongside your income — letting you invest more as your salary increases without locking yourself into a high amount from day one.
The power of a step-up SIP lies in compounding amplification. When both your contributions and your corpus grow simultaneously, the final wealth can be significantly higher. Even a 10% annual step-up on a ₹10,000 SIP over 20 years can nearly double the final corpus compared to investing the same flat ₹10,000 throughout.
How to Use This Step-Up SIP Calculator
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1
Enter your initial monthly SIP
Start with the amount you can comfortably invest today. A ₹5,000 SIP is a solid foundation with room to grow each year.
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2
Set your yearly step-up percentage
Match this to your expected annual salary increment. A 10% step-up is popular — it keeps your savings rate constant as income grows.
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3
Enter expected return and tenure
Use 10–12% for large-cap equity, 12–14% for flexi/mid-cap. Set tenure to your goal horizon — 15–20 years is where step-up SIPs deliver the most dramatic results.
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4
Review the year-by-year table
The table shows how your monthly SIP, total invested, and portfolio value evolve each year — visualising the accelerating impact of step-up and compounding together.
Step-Up SIP vs Regular SIP
| Feature | Regular SIP | Step-Up SIP |
|---|---|---|
| Monthly Amount | Fixed throughout | Increases annually |
| Wealth Potential | Good | Significantly higher |
| Flexibility | Easy to maintain | Requires annual discipline |
| Best for | Fixed-income investors | Salaried with annual increments |
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