Step-up SIP Calculator
See how increasing your SIP amount every year grows your final corpus.
Your inputs
Your monthly SIP amount increases by the step-up percentage at the start of each year, compounding on top of your existing investment.
Estimates only. Figures are indicative and do not constitute financial advice.
About the Step-up SIP Calculator
A regular SIP calculator assumes your monthly investment stays flat for years — but if your income is growing, so should your SIP. "Step-up SIP calculator" is what investors search for once they realize a fixed SIP amount doesn't keep pace with a growing salary, and want to see the real impact of increasing contributions annually instead.
This calculator starts with your initial monthly SIP amount and increases it by your chosen step-up percentage at the start of every year, simulating month-by-month growth at your expected return throughout. Even a modest 10% annual step-up (roughly matching a typical yearly increment) compounds into a dramatically larger final corpus than a flat SIP of the same starting amount, because your later, larger contributions still have years left to compound. This is genuinely one of the most underused strategies in retail investing — most people set a SIP once and forget to increase it, leaving meaningful long-term corpus on the table. Use this to see how much more you'd accumulate simply by increasing your SIP alongside your annual salary hike.
How to use this calculator
- Enter your starting monthly SIP amount.
- Set your annual step-up percentage.
- Set your expected return and investment period.
- See your maturity value versus what you invested.
Frequently asked questions
›How much should I step up my SIP every year?
A common approach is to match your salary increment percentage (often 8-12% annually), so your SIP grows proportionally with your income without straining your budget.
›Is step-up SIP better than a flat SIP?
For most long-term investors with growing incomes, yes — it builds a significantly larger corpus over time without requiring a large lump sum increase in any single year.
›Can I change my step-up percentage later?
Yes, most mutual fund platforms let you modify or pause a step-up SIP instruction at any time; this calculator shows one consistent step-up rate for simplicity.