Step-Up SIP Calculator
Project SIP growth when you raise your monthly investment by a fixed percentage every year.
About the Step-Up SIP Calculator
A step-up (top-up) SIP increases the instalment each year, usually in line with pay rises. Because later, larger instalments still compound, a modest yearly step-up can grow the final corpus far more than a flat SIP.
The formula
Each month: value = (value + SIP) × (1 + r/12); SIP rises by the step-up % every 12 months
Worked example
Example: Expected value = $172,405
- Inputs: Starting monthly SIP: $170; Increase every year: 11%; Expected yearly return: 9%; Years: 17 years.
- Formula: Each month: value = (value + SIP) × (1 + r/12); SIP rises by the step-up % every 12 months
- Result: Expected value = $172,405
- Total invested: $90,782
- Final monthly SIP: $903
Things to keep in mind
- Mutual fund returns aren't guaranteed; the result assumes a constant return.
Questions people ask
What step-up should I choose?
Many people match their expected pay rise, often 5–10%.
Do fund houses offer automatic step-up?
Yes, most Indian AMCs offer a top-up facility when you register the SIP.