Step-Up SIP Calculator
See how increasing your SIP every year builds a bigger corpus than a flat SIP.
Future Value (Step-Up SIP)
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Total Invested
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Flat SIP Would Give
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This step-up strategy needs the right funds
Talk to an advisor about setting up a step-up SIP that grows with your income.
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What is a Step-Up SIP Calculator?
A step-up SIP calculator projects the future value of a Systematic Investment Plan where your monthly contribution increases by a fixed percentage every year, instead of staying flat. It simulates month-by-month growth at your expected rate of return, increasing the contribution amount at each anniversary, and compares the result against an equivalent flat SIP starting at the same amount.
Because later years' larger contributions still have time to compound, even a modest annual step-up can meaningfully outgrow a flat SIP over a long horizon — this is why step-up SIPs are a common recommendation for goals like a child's marriage or education corpus, where contributions can realistically grow alongside your income.