SIP Step-Up Calculator
See how raising your SIP 10% every year transforms your final corpus.
₹10,000/month at 12% for 15 years gives about ₹50 lakh. Step it up 10% yearly — matching typical salary hikes — and it becomes roughly ₹1 crore. Same discipline, double the outcome, because raises get invested before lifestyle absorbs them.
How to use the sip step-up calculator
- Enter your starting SIP amount.
- Set the yearly step-up %.
- Compare flat vs step-up SIP growth.
SIP Step-Up Calculator — FAQs
What is a step-up SIP?
A SIP that increases by a fixed percentage every year — e.g. 10% — so your investing keeps pace with rising income.
How much step-up should I choose?
10% is the common default, roughly matching salary growth. Even 5% makes a meaningful difference over 15+ years.
Does every fund allow step-up?
Most major AMCs offer ‘SIP Top-up’. If yours doesn’t, start a second SIP for the extra amount each year.
Step-up vs starting bigger?
Both help, but step-up is psychologically easier — you never feel the pinch because the increase comes from raises.
Keep exploring
People who used this also opened:
SIP Calculator →
Estimate the future value of monthly mutual fund SIPs with interactive charts.
investRetirement Calculator →
Find how much to save monthly to retire comfortably, with clear projections.
investLumpsum Calculator →
Project how a one-time mutual fund investment grows over the years.
investCAGR Calculator →
Measure the true annualised growth rate of any investment.