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.
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Preparing SIP Calculator with Step Up for you…
Loading the tool into your browser. Nothing is uploaded — the work happens on your device.
Step-up raises your SIP once every 12 months — e.g. 10% turns ₹5,000 into ₹5,500 from month 13.
Estimated value
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Projection at your assumed rate — mutual fund returns are market-linked, not guaranteed. Contributions are counted at the start of each month.
How to use this tool
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Enter your starting monthly SIP
The amount you can commit to today — the default is ₹5,000, a common starting point.
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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.
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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.
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