Step-up SIP Calculator

What is Step-up SIP Calculator?

The Step-up SIP Calculator shows how increasing your monthly SIP amount by a fixed percentage each year accelerates wealth creation. It compares regular SIP returns with step-up SIP to highlight the corpus difference.

How to Calculate Step-up SIP Returns

1. Enter your starting monthly SIP amount
2. Enter the annual step-up percentage (e.g. 10%)
3. Enter the expected annual return rate
4. Enter the investment duration in years
5. Click Calculate to see step-up corpus vs regular SIP corpus comparison

How Step-up SIP Calculator is Calculated

Each year, the SIP amount increases by the step-up percentage. FV = Σ[SIP_y × ((1+r)¹² − 1) / r × (1+r)^{(remaining months)}], where SIP_y = initial SIP × (1 + step-up%)^y.

Worked Example

₹5,000/month, 10% annual step-up, 12% return, 20 years: Regular SIP corpus = ₹49.5L. Step-up SIP corpus = ₹1.08 crore — more than double, because later-year contributions are much larger.

Common Use Cases

• Long-term wealth building with salary growth
• Retirement corpus acceleration
• Comparing regular vs step-up SIP
• Goal-based investing with inflation adjustment

Common Mistakes to Avoid

• Setting a step-up rate higher than your salary growth — a 15% step-up is unsustainable if your income grows at only 8%. Keep step-up at 5–10%.
• Comparing step-up SIP corpus with regular SIP without noting the higher total investment — you invest more money in step-up SIP too.
• Not automating the step-up — manual increases each year often get forgotten. Set up auto-step-up with your fund house.
• Thinking step-up SIP is a separate product — it is simply increasing your regular SIP amount each year. Any SIP can be stepped up.

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