Step-Up SIP Calculator
Calculate how a SIP that increases every year grows, compared with a flat SIP, with inflation-adjusted value and a year-by-year breakdown.
How to Use
- 1
Enter a starting amount
Type the monthly SIP you'll start with in year one.
- 2
Set the yearly step-up
Enter the percentage your SIP will increase by each year.
- 3
Compare with a flat SIP
See the step-up result, then run the regular SIP calculator with the same starting amount to compare.
How It Works
A step-up SIP raises your monthly contribution by a fixed percentage every year, usually to match salary growth. This calculator shows how that increase changes the maturity value, the amount invested, and the gains, with a year-by-year breakdown.
How the yearly increase works
The contribution in year one is your starting amount. From year two, it rises by the step-up percentage at the start of each year, and that new amount is then invested every month for the year. Each year's larger contributions have fewer years left to compound, so the boost is most valuable when the step-up starts early.
Choosing a realistic step-up rate
Many people match their expected pay rise, often around 5 to 15 per cent a year. A rate you can sustain even in a flat year is safer than an optimistic one, because a step-up that you later have to stop leaves the plan underfunded.
Examples
₹10,000 a month, rising 10% a year for 15 years at 12%
You invest about ₹38.1 lakh in total and the projected value is about ₹86.8 lakh. A flat SIP of the same starting amount reaches about ₹50.5 lakh, so the step-up adds roughly 72% more.
Checking the cost of the increase
By year 15, the monthly contribution in this example is about ₹37,975. Before choosing a high step-up rate, check that the later, larger amounts fit your budget.
Common Use Cases
- Planning an investment that grows with your salary
- Comparing a step-up plan against a flat SIP with the same starting amount
- Testing how different yearly increases change the final corpus
- Seeing which years contribute most of the growth
Tips
- Compare the step-up result with the regular SIP calculator using the same starting amount, to see the true difference.
- Enter a step-up rate you're confident you can keep, even if your income stays flat in some years.
- Use the inflation field to check whether the larger future corpus still covers the cost of your goal in today's money.
Frequently Asked Questions
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