Skip to content
DYNAMB

SIP Calculator with Step Up

This calculator leads with the step-up field, because a fixed SIP that never grows quietly falls behind your rising income and inflation. It opens on a ₹5,000/month SIP with a 10% yearly step-up over 15 years — change any number and the calculator shows exactly how much extra corpus the step-up adds versus a flat SIP at the same starting amount.

  • Nothing you type leaves this page
  • Works offline once loaded
  • Free forever, no signup

Step-up raises your SIP once every 12 months — e.g. 10% turns ₹5,000 into ₹5,500 from month 13.

From a free tool to your own software

Software for mutual fund distributors and wealth advisors

Mutual fund distributors and advisors spend client meetings rebuilding SIP projections in spreadsheets, and a step-up or goal date changed mid-conversation means starting over. Firms serving a large book of investors need goal plans, SIP records and portfolio reports in one system, with every projection clearly labelled as an assumption rather than a promise.

  • Goal-based planning platforms

    Map each client's goals, such as a child's education or retirement, to SIPs with optional annual step-ups, and show projections with the assumed return stated plainly.

  • Distributor back-office and CRM

    Keep client folios, SIP start and end dates, mandates and follow-ups together, and see which SIPs are about to end or have missed an instalment before the client notices.

  • Investor apps for your advisory firm

    A branded mobile app where clients view holdings, start or pause SIPs through the transaction platforms you already use, and read the reports your team publishes.

  • Portfolio reporting from RTA statements

    Import consolidated account statements, reconcile transactions across fund houses and produce clean periodic reports for each client without copying figures by hand.

Who we build this for: Mutual fund distributors, wealth advisory firms, investment platforms and fintech apps serving retail investors.

This tool runs entirely in your browser. The team that built it designs custom software for businesses and runs DigiSign, our own signage platform, in production.

Plan an investor platform Web & Mobile Applications

How to use this tool

  1. Enter your starting monthly SIP

    The amount you can commit to today — the default is ₹5,000, a common starting point.

  2. Set your step-up percentage

    A 10% yearly step-up means your SIP grows every 12 months as your income (hopefully) does — try 5%, 10% or 15% to see the effect.

  3. Compare against a flat SIP

    The result shows the step-up value next to what the same starting amount would grow to with no step-up at all, so you see the top-up's exact contribution.

Questions people ask

What is a step-up SIP?

You raise your monthly SIP by a fixed percentage every year — commonly 10% — instead of investing the same amount forever. Because the bigger later contributions still get years to compound, a step-up SIP can meaningfully outgrow a flat SIP with the same starting amount over long horizons.

How much extra does a 10% step-up add over 15 years?

On a ₹5,000 starting SIP at 12% for 15 years, a 10% yearly step-up produces a noticeably larger corpus than the flat ₹5,000 SIP — this calculator shows both figures side by side for your exact numbers rather than a rule-of-thumb percentage, since the gap grows with tenure and step-up rate.

Is a 10% step-up realistic?

It roughly tracks a typical annual salary increment in India, which is why 10% is the common default in step-up SIP planning — but set it to match your own expected raise rather than assuming it.

Does step-up change my mutual fund SIP mandate automatically?

No — most fund houses let you set up a "step-up SIP" or "top-up SIP" mandate directly with your broker or AMC, which increases the auto-debit amount on a schedule you choose. This calculator is for planning the numbers; you still need to set the actual mandate with your platform.

What if I cannot afford to step up every year?

Skip a year when needed — most platforms let you pause or adjust a step-up SIP without cancelling it, and even an irregular step-up beats a flat SIP over the long run, just by a smaller margin than the steady 10% shown here.

Does this calculator upload my data?

No — everything is computed in your browser, nothing is stored on a server, and the page keeps working offline once loaded.

Related tools

Who makes these tools

Free because it costs us nothing to run: your browser does the work, not our servers. Made by Dynamb Technologies — we build software for businesses.