Step-Up SIP Calculator
A normal SIP keeps the same amount forever. A step-up SIP raises it a little every year — usually as your income grows. See how much that builds, and optionally what it is really worth in today’s money after inflation. Everything runs in your browser.
Educational maths on your own numbers at an assumed, constant return. Real markets go up and down — this is not a prediction, advice or a guarantee of any return.
What is a step-up SIP?
A step-up (or “top-up”) SIP automatically increases your monthly contribution by a fixed percentage every year. Because the bigger contributions in later years also compound, a 10% annual step-up can grow your final corpus far more than a flat SIP — without you having to remember to raise it yourself.
Step-up SIP — frequently asked questions
What is a step-up SIP?
A step-up SIP is a Systematic Investment Plan where you increase the monthly amount by a set percentage every year — for example, raising a ₹10,000 SIP by 10% to ₹11,000 in year two. It lets your investing keep pace with a rising income.
How is the future value of a step-up SIP calculated?
Each monthly instalment is grown at the assumed monthly rate of return until the end of the period, and the contributions step up at the start of every year. We add up every instalment’s future value to get the total. It assumes a constant return, which real markets do not provide.
Why show the value in today’s money?
Inflation reduces what your future corpus can buy. Showing the inflation-adjusted (real) value tells you roughly what that final amount would be worth in today’s purchasing power, which is more meaningful than the headline number.