Step Up SIP Calculator

Use this free step up SIP calculator to see how increasing your SIP every year, as your income grows, can change your final value. Enter your starting monthly amount, the yearly increase, an expected return and the number of years.

How this step up SIP calculator works

Your SIP starts at the amount you enter and rises by your chosen percentage at the start of each year. For example, a ₹10,000 SIP with a 10% yearly step-up becomes ₹11,000 in the second year and ₹12,100 in the third. Money is assumed to grow at the return you enter, compounded monthly. The line “Extra vs. a flat SIP” shows how much more the step-up adds compared with keeping the SIP unchanged. The result is an illustration, not a forecast.

What this calculator does not include

The result is before taxes, exit loads and fund expenses, and it does not allow for inflation. It also assumes you can afford each yearly increase. If your income does not grow as planned, a smaller step-up may be more realistic.

Frequently asked questions

What is a step-up SIP?

A step-up SIP is a SIP whose amount increases by a fixed percentage or amount at regular intervals, usually every year. It lets your investing grow along with your income.

How much should I step up each year?

No. Mutual fund returns are market-linked and can be higher or lower than the rate you enter. Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Mutual fund investments are subject to market risks. Learn more about mutual funds on the AMFI investor awareness site.

What return should I enter?

Many investors link the increase to their expected yearly income growth. Even a modest step-up can make a visible difference over 15 to 20 years. Choose a figure you can keep up comfortably, and try a few values in the calculator.

Is the return shown guaranteed?

How is this different from a regular SIP?

A regular SIP stays the same every month. To compare, use our SIP calculator.