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SIP Step Up Calculator

Project SIP returns when you increase your monthly contribution by a fixed percentage every year, modeling how a rising income can accelerate your investment corpus compared to a flat SIP.

How to Use SIP Step Up Calculator
  1. 1Enter your starting monthly SIP amount
  2. 2Enter the annual percentage increase (step-up) you plan to apply
  3. 3Enter the expected annual rate of return and the investment period
  4. 4Click Calculate to see your final SIP amount, total invested, and estimated returns
Frequently Asked Questions

The regular SIP Calculator assumes the same monthly contribution throughout. This tool increases your monthly SIP by a fixed percentage every 12 months, modeling how a growing income lets you invest more over time.

At the start of each new year in the tenure, your monthly SIP amount is increased by the step-up percentage you specify, and that higher amount is invested for the following 12 months.

Because later, larger contributions still have years left to compound, a step-up SIP typically builds a bigger corpus than a flat SIP with the same starting amount and total tenure.

Your final (highest) monthly SIP amount after all step-ups, the total amount invested across the tenure, the estimated maturity value, and the estimated returns.

No — both are inputs you choose for projection purposes. Actual salary growth and fund returns will vary from your assumptions.

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