Savings & investing
Step-up SIP Calculator
See how much more a SIP grows when you raise it each year. Enter your starting monthly amount, an annual step-up, the expected return and duration to get the projected value, total invested and gains.
Your SIP
₹
Projected value—
Total invested—
Estimated gains—
Final year's monthly SIP—
Year-by-year growth
All amounts in ₹.
| Year | Monthly SIP | Invested | Value |
|---|
How it's calculated
Each month the current contribution is added and the balance grows at the monthly return. At the start of every year the monthly contribution is increased by your step-up percentage, so later years invest much more than the first. The projected value sums all of it; gains are the value minus everything invested.
Contribution rises each year by the step-up rate; returns are assumed and not guaranteed.
Frequently asked questions
What step-up should I pick?
Many match it to expected salary growth — often 5–10% a year.
Flat SIP comparison?
Set the step-up to 0% to see a regular SIP, then raise it to compare — or use the SIP calculator.
Can I step up by a fixed rupee amount instead?
This tool steps up by a percentage, which is the common method; a fixed-rupee step-up would rise more slowly in later years.