Free calculator
Step-up SIP Calculator
Increase your SIP by a fixed percentage each year and compare it with a flat SIP of the same starting amount.
- Invested amount
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- Estimated returns
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- Total value
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Year-by-year schedule
How it works
The Formula, Shown
Each year’s instalment = previous year’s × (1 + step-up %)Every year’s instalments are compounded monthly to the end of the period and summed. The comparison line shows a flat SIP at the starting amount.
Related service: Mutual Funds — Explore schemes by category and AMC, then invest by SIP or lump sum.
Why step up at all?
A flat SIP becomes a smaller share of your income each year. Raising it in line with income keeps the savings rate constant.
Can I set this up in a real SIP?
Many AMCs offer a top-up or step-up facility. Check the scheme’s SIP form for the options available.
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