Introducing the Step-up SIP Calculator — Raise Contributions With Income

Your salary rarely stays fixed for a decade. Your SIP shouldn’t have to either.

Today we’re shipping a Step-up SIP Calculator — enter a starting monthly amount, an annual step-up %, expected return, and tenure. Instantly see corpus, cash invested, final monthly SIP, and how much extra you get versus never stepping up.

What it does

• Starting monthly SIP — year-one instalment
• Annual step-up % — raise every 12 months (presets: 0%, 5%, 10%, 15%, 20%)
• Expected return + years — same assumptions as our flat SIP tool
• Vs flat SIP — same start amount with 0% step-up, for an honest delta
• Year table — monthly amount and corpus at each year-end (when tenure ≤ 15)

When to use it

• You want SIP to grow with raises
• You’re comparing “₹5k forever” vs “₹5k with 10% yearly top-up”
• You’re planning education or a house deposit over a long runway

For a fixed monthly amount only, keep using the SIP Calculator.

Read next

• Step-up SIP vs regular SIP
• Plan a raise-linked SIP step-up
• India Finance Ops hub

Educational estimates only — not financial advice. Returns are assumptions; markets and taxes can differ.