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Step-Up SIP Calculator

Your income grows every year, your SIP can too. See what a small annual increase does to the final number.

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Projected value —
You invest —
Estimated returns —

Estimates only. Actual returns may differ. Taxes, charges and changing rates can affect the outcome.

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What is Step-Up SIP?

A step-up SIP raises your monthly amount by a set percentage each year, usually to match a rising salary. The early increases compound for the longest, so a small annual bump makes a surprisingly large difference by the end.

How it's calculated

Each year the calculator compounds twelve monthly instalments, then increases the instalment by your step-up percentage for the next year, and repeats. Returns are the final value minus everything you put in.

An example

Start at ₹10,000 a month, raise it 10% a year for 10 years at a 12% return, and you end up well ahead of a flat ₹10,000 SIP, because each raise had years left to grow.

Questions people ask

How much should I step up each year?

Matching your expected salary hike, often 8-10%, is a sensible default. Even 5% helps. The point is to not let inflation quietly shrink your real investment.

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

For the same starting amount, yes, you invest more over time, so you end with more. Whether you can afford the increases is the real question.

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