Last updated: October 2026

📶 Step-Up SIP Calculator

Your salary grows every year — why shouldn't your SIP? Our step-up SIP calculator shows how increasing your monthly investment by a fixed % annually can multiply your final corpus.

Step-Up SIP Calculator

Har saal badhti SIP se corpus kitna banega?

Monthly SIP (starting)

₹500₹1 lakh

Yearly step-up

0%50%

Expected annual return

0%40%

Time period

1 yr30 yrs

Maturity value₹0

Total invested₹0

Est. gains₹0

Step-up ka extra fayda₹0

SIP har mahine ki shuruaat me invest maani gayi hai. Market returns guaranteed nahi hote.

⚠️ Ye sirf estimate hai, financial advice nahi hai. Disclaimer padhein.

Step-up SIP kyun powerful hai?

Salary badhne ke saath SIP bhi badhao — 10% yearly step-up se 10 saal me corpus normal SIP se 30–40% zyada ban sakta hai. Chhota annual increase, bada compounding effect.

How to Use

Enter your starting monthly SIP.
Set the annual step-up % (e.g. 10%).
Choose expected returns and period.
Compare regular SIP vs step-up SIP corpus.

Formula

Each year's monthly SIP = previous year × (1 + step-up%). Future value sums each year's 12 SIPs compounded: FV = Σ M_y × (((1+r)¹² − 1)/r) × (1+r)^{remaining months}.

💡 Example

Example: ₹10,000/month at 12% for 15 years → regular SIP ≈ ₹49.96 lakh. With 10% yearly step-up → ≈ ₹98+ lakh. Nearly double!

FAQs — Step-Up SIP Calculator

A SIP where you increase the investment amount by a fixed percentage every year — matching salary hikes to investing.

10% is the popular default, roughly matching average salary growth. Even 5% makes a big difference over 15+ years.

Yes — most AMCs let you add a step-up to existing SIPs, or you can start a small additional SIP each year.

The magic shows over 7+ years. For 3-year goals, the difference is modest.

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