About this step-up SIP calculator
A step-up SIP increases your monthly contribution by a fixed percentage every year. It is a smart way to invest more as your income grows, without feeling the pinch in any single year. Over a long horizon, the extra contributions compound into a much larger corpus.
This calculator starts with your monthly SIP, raises it by the step-up percentage each year, and compounds the balance at the expected monthly return. It reports the future value, total invested and estimated returns.
The result assumes a constant return and a steady annual increase. Real returns and income growth will vary.
Use it to see how a modest annual increase in your SIP can significantly boost your final corpus. Even a 10% yearly step-up makes a large difference over 15 to 20 years. Pair it with the regular SIP calculator to compare.