SIP Step-Up Calculator

Calculate the future value of a SIP where your monthly investment increases by a fixed percentage every year.

  • Free to use
  • Accurate results
  • No registration required
  • Works on all devices
Enter your initial SIP amount, annual step-up percentage, and expected return to calculate your future corpus.
₹
%
%
years

Your result

₹1,98,88,715.49

Future value

Total invested₹68,72,999.94
Total returns₹1,30,15,715.55
Final year's monthly investment₹61,159.09

AI explanation

Formula

Simulated year-by-year: 12 monthly contributions compounding at the monthly rate, contribution stepped up annually

Worked example

₹10,000/month, 10% annual step-up, 12% return, 20 years

Worked example: ₹10,000/month, 10% annual step-up, 12% return, 20 years
FieldValue
Initial monthly investment10000
Annual step-up10
Expected annual return12
Duration20
Future value19888715.49
Total invested6872999.94
Final year's monthly investment61159.09

Assumptions

  • Assumes a consistent annual step-up percentage applied at the start of each year.
  • Informational only.

Frequently asked questions

Why step up SIP contributions each year?

A step-up SIP lets your investment grow along with your income, typically building a substantially larger corpus than a flat SIP of the same starting amount over long horizons.

How much difference does a step-up make compared to a flat SIP?

Even a modest 10% annual step-up can significantly increase your final corpus over 15-20+ years, since later, larger contributions still have meaningful time to compound.

Is a step-up SIP harder to manage than a flat SIP?

Most mutual fund platforms support automated step-up SIPs, so the increase happens automatically each year without manual intervention once set up.

Related calculators

SIP Returns CalculatorSIP Goal Calculator

Sources

This calculator provides a general estimate only and does not constitute investment advice. Mutual fund investments are subject to market risk.

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