Step-Up SIP Calculator

SIP returns when you raise your monthly investment every year: final corpus, total invested and the gain from stepping up.

Future value
—
Amount invested—
Estimated gains—
Same period without step-up—

How to use the Step-Up SIP calculator

  1. Enter starting monthly SIP, yearly increase, expected return and period.
  2. Read the future value at the top of the result, with amount invested, estimated gains, same period without step-up underneath. It updates as you type.
  3. Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.

About this tool

Raising the SIP in line with salary hikes is one of the simplest ways to reach a goal sooner. The last line shows what a flat SIP would have reached.

Worked example

With starting monthly sip of ₹10,000, yearly increase of 10%, expected return of 12% and period of 15 years:

Future value₹86,83,849
Amount invested₹38,12,698
Estimated gains₹48,71,152
Same period without step-up₹50,45,760

Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem

Questions people ask

What is a step-up SIP?

A SIP where the monthly amount rises by a fixed percentage or amount every year, usually set up once with the fund house.

How much should I step up each year?

Many people match their expected salary increase, often 5–10% a year.