Calculator
Step-Up SIP Calculator
A step-up SIP increases your monthly contribution every year by a fixed percentage — keeping pace with your income growth.
Starting monthly SIP₹10,000
Annual step-up10%
Years20 yrs
Expected annual return12%
Invested
₹68.73 L
Future value
₹1.99 Cr
Wealth gain
₹1.30 Cr
Educational illustration. Assumes constant returns; does not account for taxes, charges or market volatility.
How to use this calculator
Enter your starting SIP, the annual increase percentage, the horizon and an expected return.
Things to keep in mind
- A 10% annual step-up roughly tracks salary growth and dramatically increases the final corpus.
- Automate the step-up so it does not depend on remembering.
- Step-up SIPs make long-horizon goals like retirement and child education far more achievable.
This calculator is for educational illustration. Results assume constant returns and do not account for taxes, charges, or market volatility.
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