Step-up SIP Calculator
See how increasing your monthly SIP by a fixed percentage every year, for example with each salary hike, could grow your investment.
- Invested amount
- Estimated returns
- Invested amount —
- Estimated returns —
- Monthly SIP in the final year —
- Value without step-up —
- Extra from stepping up —
- Total value —
| Year | Monthly SIP | Total invested | Est. value |
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Frequently asked questions
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly instalment by a fixed percentage once a year. For example, a ₹5,000 SIP with a 10% step-up becomes ₹5,500 in the second year and ₹6,050 in the third.
How is the step-up SIP value calculated?
Each monthly instalment is assumed to be invested at the start of the month and to grow at one-twelfth of the annual return rate. The instalment rises by the step-up percentage at the start of every new year.
Why step up a SIP?
As your income grows, raising the SIP keeps your savings in line with it. Because larger amounts are invested for many years, even a small yearly step-up can make a big difference to the final value.
Are the returns shown guaranteed?
No. Mutual fund returns depend on market performance and are not guaranteed. The figures are estimates for planning only; actual returns can be higher or lower, and can be negative.
Disclaimer: This calculator is for illustration only. The results are estimates based on the rate of return you enter and do not indicate, promise or guarantee future returns. Actual returns vary with market conditions and are not guaranteed.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. Please consult your financial advisor before investing.