Step-up SIP Calculator
Updated 20 August 2026
See how increasing your SIP every year in line with your salary can help you reach a bigger corpus, much faster, than a flat SIP.
Open the Live Step-up SIP Calculator →Frequently asked questions
What is a step-up SIP calculator?
It projects the maturity value of a SIP where your monthly investment amount increases every year by a fixed percentage, rather than staying flat for the entire duration — mirroring how most people's investment capacity grows alongside their income.
How is this different from a regular SIP calculator?
A regular SIP calculator assumes the same monthly amount throughout, while this one increases the monthly amount each year by your chosen step-up percentage, which typically leads to a meaningfully larger final corpus for the same starting amount.
What step-up percentage should I choose?
A common approach is to match your expected annual salary increment, often 8–12% for salaried professionals in India. If you're unsure, 10% is a reasonable, commonly-used starting assumption.
How is the calculation actually done?
Each year's 12 monthly instalments (at that year's stepped-up amount) are treated as their own SIP chunk, compounded forward at your expected return for the remaining years until the end of the full investment period, then all yearly chunks are added together.