Step-up SIP calculator: grow your SIP as your income grows

A step-up SIP raises your monthly instalment by a fixed percentage every year, so your investment keeps pace with your salary. Enter the starting amount, the yearly increase, an expected return and the duration, and this calculator shows the final corpus.

Within each year the instalment stays the same and compounds monthly; at the start of the next year it rises by your chosen percentage. Even a modest annual step-up usually builds a noticeably larger corpus over a long period than a flat SIP, because later years carry bigger instalments. Compare it with the plain SIP calculator to see the difference for your own numbers.

Frequently asked questions

How much should I step up each year?

A common approach is to match your expected raise, so the instalment stays a steady share of your income. The calculator lets you try a few percentages.

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

The investment risk is the same. What changes is that you commit more money in later years, so make sure the higher instalments stay comfortable.

Does it include inflation?

No. The result is in future rupees. A step-up is one way to offset inflation, because the amount you invest grows over time.

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