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Step-up SIP Calculator

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Model a SIP that rises every year — see corpus, total invested, and how much extra you gain vs a flat SIP.

Annual Step-up
Instant
Client-Side
Vs Flat SIP
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Year 1 total ≈ ₹ 60,000 (60 Thousand)

Raise the SIP amount by this % every year (common: 10%).

Step-up SIP projection

Total corpus
₹ 16,87,163
16 Lakh 87 Thousand
Invested 57%Gains 43%
Amount invested₹ 9,56,245
Wealth gained₹ 7,30,918
Final monthly SIP₹ 11,790
Vs flat SIP (same start)+₹ 5,25,468
Step-up insight

Raising SIP by 10% each year ends at ₹ 11,790/mo and adds about ₹ 5,25,468 vs never stepping up (same start amount). Absolute return on cash invested: 76.44%.

YearMonthlyCorpus
1₹ 5,000₹ 64,047
2₹ 5,500₹ 1,42,621
3₹ 6,050₹ 2,38,205
4₹ 6,655₹ 3,53,661
5₹ 7,321₹ 4,92,285
6₹ 8,053₹ 6,57,867
7₹ 8,858₹ 8,54,764
8₹ 9,744₹ 10,87,978
9₹ 10,718₹ 13,63,250
10₹ 11,790₹ 16,87,163

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How to Use

  1. 1 Enter your starting monthly SIP amount
  2. 2 Set the annual step-up % (common: 10% with a raise)
  3. 3 Choose expected annual return and investment duration
  4. 4 Compare total corpus and invested amount vs the same SIP with 0% step-up
  5. 5 Scan the year table to see how the monthly amount grows

Features

  • Month-by-month compounding with annual contribution increase
  • Side-by-side delta vs flat SIP (same start amount)
  • Final monthly SIP after all step-ups
  • Year-wise monthly amount and corpus table (≤15 years)
  • 0% step-up matches the regular SIP calculator
  • Runs fully in your browser — no sign-up

Why it Matters

Most people get annual raises. A flat SIP calculator understates what happens if you raise contributions with income. Step-up SIP shows the gap — often several lakhs over a decade — so you can plan a contribution habit that scales, not a fixed number forever.

★★★★★

Use Cases

Raise-linked investing

Model a 5–15% annual SIP increase when your salary grows

Child education corpus

Start smaller, step up for 15–18 years toward school or college costs

Home down-payment runway

Increase SIP each year until you hit a deposit target

Flat vs step-up comparison

Quantify how much more corpus you get for the same starting SIP

How step-up SIP is calculated

A step-up SIP starts like a normal SIP, then multiplies the monthly instalment by (1 + step-up%) every 12 months. Each month the tool:

  1. Adds the current monthly amount to the running corpus (annuity-due style — instalment at the start of the month).
  2. Compounds that balance by the monthly rate (annual ÷ 12 ÷ 100).
  3. After every 12th month (except before month 1), applies the step-up to the next year’s instalment.

When step-up is 0%, the result matches the SIP Calculator within rounding.

Why compare against a flat SIP

The “vs flat SIP” line answers: if I never raised my SIP, how much corpus would I miss? That delta is usually large over 10–15 years because later years invest more cash and that cash still compounds. Use a conservative expected return and treat the chart as a planning sketch.

Privacy

All math runs in your browser. Changing inputs does not call our servers. Nothing about your plan is stored for this tool.

Frequently Asked Questions

What is a step-up SIP?
A step-up (or top-up) SIP raises your monthly contribution on a schedule — usually once a year by a fixed percentage — so investing keeps pace with income growth.
How is this different from the regular SIP calculator?
The regular SIP assumes a constant monthly amount. This tool increases that amount every 12 months by your step-up %, then compounds month by month.
Is 10% step-up realistic?
Many people align step-up with expected salary growth (often ~5–15%). It is a planning assumption, not a guarantee you will always raise the SIP.
Are returns guaranteed?
No. Expected return is an assumption. Markets vary; past performance is not a promise. Educational estimate only — not financial advice.
Does this include taxes or expense ratios?
No. Corpus is pre-tax and before fund fees. Equity LTCG and scheme costs can reduce real proceeds.
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