Step-Up SIP Calculator

SIP that rises every year with your income.

Starting monthly investment

₹

₹500₹5 L

Annual step-up

0%50%

Expected return (p.a.)

1%30%

Time period

yrs

1 yr40 yrs

Invested amount: ₹38,12,698
Est. returns: ₹48,71,152
Total value: ₹86,83,849
Extra vs flat SIP: ₹36,38,089

Invested 44%
Est. returns 56%

How it works

A step-up (top-up) SIP raises the monthly amount by a fixed percentage each year. Even a 10% annual step-up can nearly double the final corpus over 20 years versus a flat SIP.

For education only. Returns are assumptions, not guarantees.

More investing calculators

SIP Calculator

What a monthly SIP grows to at an expected return.

Lumpsum Calculator

Growth of a one-time investment.

SWP Calculator

Monthly withdrawals from a corpus — how long it lasts.

Goal Planner (SIP needed)

Monthly SIP needed to hit a target, adjusted for inflation.

CAGR Calculator

Compound annual growth rate between two values.

Inflation Calculator

Future cost of today's expenses and lost purchasing power.

Loading calculator…