Step-Up SIP Calculator

Calculate returns on a Step-Up SIP where you increase your monthly investment by a fixed percentage every year. See how incremental increases dramatically outperform a regular flat SIP.

Step-Up SIP Details

Initial Monthly Investment₹10,000

Annual Step-Up Rate10%

Expected Annual Return12%

Investment Period10 yr

Investment Breakdown

Step-Up Value

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Invested

Returns

Total Invested

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Est. Returns

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Step-Up Corpus

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Extra vs Flat SIP

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Wealth Multiple

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📅 Year-wise Step-Up Breakdown

Year	Monthly SIP	Yr Invested	Total Invested	Total Corpus	Extra vs Flat

Step-Up SIP Calculation

Each year, monthly amount increases: M_y = M₀ × (1 + step%)^(y−1) FV = Σ [M_y × accumulated growth for each month]

M₀ = Initial monthly SIP | step% = Annual step-up rate | Each monthly contribution is compounded to maturity separately.

💡 Example Scenarios

Conservative

Safe & Steady Growth

Start small, increase 10% yearly. A great plan for salaried professionals with annual appraisals.

₹5,000 start10% step-up12% return15 yrs

Aggressive

Power Growth Plan

Higher step-up for fast-growing income earners. Equity mutual funds + 15% annual increment.

₹10,000 start15% step-up14% return20 yrs

Retirement

Retirement Wealth Machine

25-year plan with 10% yearly step-up. See how this outperforms a flat SIP by crores.

₹20,000 start10% step-up12% return25 yrs

📖 How to Use

Set Initial Monthly SIP

Enter your current monthly investment amount. This is what you'll invest in Year 1. It will increase automatically every subsequent year based on the step-up rate.

Choose Annual Step-Up Rate

Set the percentage by which you'll increase your SIP each year. A 10% annual raise matches typical salary increments. Even 5% step-up creates significantly more wealth than a flat SIP.

Compare with Flat SIP

The "Extra vs Flat SIP" result shows exactly how much more wealth a Step-Up SIP creates compared to keeping the SIP amount fixed throughout. This difference can be in lakhs or crores over long periods.

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