Step-Up SIP Calculator
Find out how gradually increasing your SIP every year can significantly improve long-term investment outcomes without straining your monthly budget.
What this Step-Up SIP Calculator does
A Step-Up SIP calculator shows how increasing your SIP amount every year can significantly improve long-term investment outcomes. This approach is particularly useful for salaried individuals whose income grows over time.
How step-up SIPs are calculated
The calculation follows a simple process. You start with a fixed monthly SIP, invest it for 12 months, and then increase the SIP amount by the chosen step-up percentage. This process is repeated for the entire investment duration.
Each monthly investment compounds independently, and earlier investments benefit from a longer compounding period.
Why step-up investing works
Step-up SIPs allow you to invest more as your income grows, without straining your budget initially. Even a modest annual increase of 5–10% can lead to a much higher final corpus over long periods.
Transparent assumptions
This calculator clearly shows whether SIPs are assumed to be invested at the start or end of the month, helping you compare results fairly with other tools.