Step-up SIP Calculator
A step-up SIP raises your monthly investment every year — often in line with your salary. See how much more it builds versus a flat SIP.
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What is the Step-up SIP Calculator?
A step-up SIP (or top-up SIP) increases your monthly contribution by a fixed percentage each year. Because you invest more as your income grows, the final corpus is significantly larger than a flat SIP.
How to Calculate
The calculator runs year by year: each year's 12 instalments compound at the expected return, and the instalment itself rises by the step-up percentage the next year.
Formula
Each year the monthly amount grows by the step-up %, then compounds.
How to Use
- Enter your details in the fields above.
- The result updates instantly as you type.
- Use Copy, Print or Download PDF to save your result.
Frequently Asked Questions
Why choose a step-up SIP?
It lets your investing keep pace with rising income and inflation, dramatically boosting the final corpus for a small annual increase.
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