Step-up SIP

A monthly habit that climbs with your salary.

Increase your SIP by a small percentage every year. Watch the corpus end somewhere the flat version never could.

Start with 25,000 a month

₹3,00,000 in year one

₹500₹10,00,000

step it up 10 % each year

≈ a typical hike

0%50%

earning 12.0 % a year

≈ market-linked equity

6%30%

for 20 years.

240 monthly contributions

1 yr40 yrs

Step-up SIP Calculation Formula

The step-up SIP calculator estimates the future value of your investment by accounting for the initial SIP amount, expected rate of return, compounding frequency, investment duration, and the annual increment you apply to your monthly contribution.

You don't need to use the formula directly — the calculator handles everything automatically. But understanding the math helps you appreciate why a small annual step-up creates a meaningfully larger corpus over time. A step-up SIP increases your SIP amount by a fixed percentage at the end of each year.

The future value of a Step-up SIP can be expressed as:

                                FV = P × [(1 + r/n)nt − 1] / (r/n) + S × [(1 + r/n)nt − 1] / (r/n)
                            

P: Initial monthly SIP amount
r/n: Rate of return divided by compounding frequency per year
nt: Compounding frequency × SIP tenure in years
S: Annual step-up amount added to the monthly SIP each year

In practice, it is far easier to use the simulation above. Move the sliders and watch the step-up advantage compound — the formula simply makes explicit what the calculator already does for you.

Year by year

Step-up SIP Flat SIP Invested

Invested ₹0 ≈ —

Estimated returns ₹0 ≈ —

Step-up advantage over flat SIP

₹0

extra corpus from annual step-ups

Becomes in 20 years · last SIP —

₹0

≈ —