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Step-up SIP Calculator — SIP with annual increment
See how much more wealth you build when your SIP grows every year. Perfect for matching salary hikes. Compare with flat SIP instantly.
Inputs
₹10,000
₹500₹2.00 L
10%
025
12%
130
15 yrs
140
Result
Future value
₹86.84 L
Total invested
₹38.13 L
Wealth gained
₹48.71 L
Composition
Invested
Returns
Year-by-year growth
About the Step-up SIP Calculator
A step-up SIP is a SIP that grows with your income. If your starting SIP is ₹10,000 and you step up 10% annually, year 2 becomes ₹11,000, year 3 ₹12,100, and so on.
The math: each year's monthly investment compounds for the remaining months at your expected return rate. This calculator sums the future value of every monthly contribution separately.
The earlier you start stepping up, the larger your final corpus — which is why step-up SIPs are especially powerful for investors in their 20s and 30s with strong salary growth trajectories.
Step-up SIP — Frequently asked questions
A step-up SIP automatically increases your monthly investment by a fixed percentage or amount every year. Most Indian AMCs (HDFC, SBI, Axis, Mirae, Nippon, Parag Parikh) support it natively.
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