Step-up SIP Calculator
See how increasing your SIP a little every year — in line with your income — can nearly double your final corpus.
Enter a value that satisfies the displayed range and increment.
Enter a value that satisfies the displayed range and increment.
Enter a value that satisfies the displayed range and increment.
Enter a value that satisfies the displayed range and increment.
Invested
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Est. Returns
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Total Value
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How the step-up SIP calculator works
Enter your starting monthly SIP, the percentage by which you'll raise it each year, an expected return, and your horizon. The calculator compounds each month and bumps the contribution up annually.
How an annual step-up changes the scenario
This model raises the entered contribution once a year and compounds each beginning-of-month contribution. Compare it with a flat-contribution scenario using the same entered return and horizon.
Methodology and limits
- Method version
step-up-sip-monthly-v1- Class
- A / R1 (pure-math)
- Effective date
- not-applicable
- Jurisdiction
- not-applicable
- Source status
- not-required-pure-math
- Rounding
- Keep full precision for calculation; round only when formatting displayed INR values.
- Review trigger
- formula, input-contract, rounding, assumption, or methodology-copy change
Formula: For every month: balance = (balance + monthlyContribution) × (1 + annualRatePercent / 1200); contribution rises by stepUpPercent after each 12 months
Educational boundary: Scenario illustration only; contribution growth and investment return are user assumptions, not advice.
Included: Beginning-of-month contributions; Annual contribution step-up and constant entered return
Excluded: Salary forecasts; Actual fund performance, fees, taxes, missed contributions, product selection or suitability
Inputs: initialMonthlyContribution (INR; 500–500000; default 10000, existing public route default) · annualStepUpPercent (percent per year; 0–25; default 10, existing public route default) · annualRatePercent (percent per year; 1–30; default 12, existing public route default) · years (whole years; 1–40; default 20, existing public route default)
Outputs: invested (INR; raw calculation; displayed rounded to nearest rupee) · estimatedGain (INR; raw calculation; displayed rounded to nearest rupee) · futureValue (INR; raw calculation; displayed rounded to nearest rupee)
Assumptions: Contributions occur at the start of each month. The contribution changes once a year; the entered return remains constant.
- Educational illustration only; outputs are not forecasts, guarantees, recommendations, or personalised advice.
- Returns, rates, inflation, fees, taxes, cash-flow timing, and product terms can differ from the entered assumptions.
- Displayed rupee values are rounded only after the full-precision calculation.
Frequently Asked Questions
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — usually in line with your salary growth. A small annual step-up dramatically increases your final corpus because the bigger contributions also compound for years.
How much should I step up each year?
The step-up is a user-entered scenario, not a recommended rate or salary forecast. Compare several values and use only an amount that reflects your own uncertain cash flow.
Step-up SIP vs a regular SIP — how big is the difference?
Large. A ₹10,000 SIP for 20 years at 12% grows to about ₹1 crore. The same SIP with a 10% annual step-up grows to roughly ₹1.9 crore — almost double — for only a gradually rising outflow.
How is the step-up applied in this calculator?
The monthly amount stays constant within each year and increases by your chosen percentage at the start of every subsequent year. Returns are compounded monthly throughout.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.