How a Step-Up SIP Works
A step-up SIP raises your monthly investment by a fixed percentage at the start of every year — matching how your salary grows. Each installment then earns the monthly return i = r/12 for every month it stays invested, exactly like a normal SIP; only the installment amount climbs each year.
The impact compounds dramatically. A flat ₹10,000 SIP at 12% for 20 years builds ≈ ₹99.9 lakh. Step it up just 10% a year and the same journey ends near ₹1.99 crore — almost double — because your largest contributions land in your highest-earning years and still get time to compound.
This calculator computes every installment month by month (the same way fund houses do) and also shows what a flat SIP of the same starting amount would give, so the step-up advantage is visible instantly.
Prefer a fixed monthly amount? Use the SIP Calculator. Have a windfall to invest at once? Try the Lumpsum Calculator. And sanity-check your target against rising prices with the Inflation Calculator.