About the Step-Up SIP Calculator
Step-Up SIP Calculator shows what happens to a monthly investment plan when you increase the amount every year. Enter the monthly amount to start with, the yearly percentage by which you will raise it, the return you expect and the number of years, and the page gives the total you invest, the gains and the value at the end. It also shows the amount you will invest each month in the last year and the value of the same plan with no yearly increase, so you can see what the step-up adds. The sums run in your browser.
Updated October 2026
How to use the Step-Up SIP Calculator
- 1Pick your currency and type the monthly amount to start with.
- 2Enter the yearly increase, for example 10%.
- 3Enter the return you expect and the number of years.
- 4Read the final value, the amount invested and the gains.
- 5Compare with the same plan with no yearly increase.
Why step up a SIP
Salaries tend to rise each year, and a plan that stays the same loses weight against your income and against prices. Raising the SIP by 5% to 10% a year keeps the share of income you invest steady. Because the larger instalments come in later years, the final sum is often much larger than for a flat plan, even though the extra money each month is small.
Choosing the increase
A good start is to match your expected raise, or about half of it if money is tight. A 10% step-up on ₹10,000 a month means ₹11,000 in year two, ₹12,100 in year three and about ₹23,600 in year ten. Try several values here to find one you can keep to.
- 5% a year: gentle, close to inflation
- 10% a year: common, matches many salary raises
- 15% or more: aggressive, needs a growing income
Be realistic
Long projections look large because compounding builds slowly. Check the figure in today's money by taking off expected inflation, and do not rely on a single return number. Markets can fall for years. A plan that you can keep up in a bad year is better than a big plan you stop.
Related tools
Use the SIP Calculator for a flat plan, the Mutual Fund Calculator for a lump sum, and the XIRR Calculator to check the return of a real portfolio. The Inflation Calculator shows what the result will be worth in today's money, and the PPF Calculator covers a safer option.
Features
- Yearly increase in the monthly amount
- Total invested, gains and final value
- Last-year monthly amount
- Comparison with a flat SIP
- Monthly compounding
- Private: nothing is uploaded
Frequently asked questions
What is a step-up SIP?
A systematic investment plan whose monthly amount rises by a fixed percentage or amount every year, usually in line with your salary.
How is it different from a normal SIP?
A normal SIP stays the same. A step-up SIP grows with your income, so you invest more in later years and usually end with a much larger sum.
When does the increase happen?
At the start of each year. Year one uses your starting amount, year two uses it plus the increase, and so on.
What return should I enter?
Use a cautious figure. Equity funds have returned about 10% to 12% a year over long periods in India, but there are bad years. Debt funds and deposits give less.
Are returns compounded monthly?
Yes. The yearly return is converted to an equal monthly rate, and each instalment grows from the month it is paid.
Is the result guaranteed?
No. Market returns vary. It is a projection to help you plan.
Does it include tax or fund charges?
No. Take off your expected costs from the return you enter, and think about tax separately.
Is my data private?
Yes. Nothing you type leaves your browser.