Investment Details

Monthly Investment (₹)

Expected Annual Return (%)

Investment Period

Enable Step-Up SIP (Annual Increase)

Step-up SIP increases your monthly investment by the specified percentage each year, helping you harness the power of compounding.

Wealth Projection

Enter SIP details and click "Calculate Returns"

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Understanding Step-Up SIP

Step-Up SIP is a powerful investment strategy where you increase your monthly investment amount by a fixed percentage every year. This aligns your investments with your rising income and accelerates wealth creation. Our calculator shows how much your corpus can grow with annual increments.

How it works: For each year, the monthly SIP amount is increased by the step-up percentage. The returns are calculated monthly using the compounded growth formula.

Benefits of Step-Up SIP

Higher Returns

Gradually increasing investments capture market growth and boost long-term wealth.

Inflation Hedge

Step-up helps maintain purchasing power and meet future goals effectively.

Goal Alignment

Perfect for long-term goals like retirement, child education, or buying a home.

Frequently Asked Questions

What is step-up SIP?

Step-up SIP allows you to increase your monthly investment amount by a fixed percentage every year, helping you invest more as your income grows.

How is the future value calculated with step-up?

We calculate monthly values: for each year, the SIP amount is increased by the step-up rate. Monthly compounding is applied to the entire corpus, giving accurate future value.

Is the step-up percentage applied every month?

No, it's applied annually at the start of each new year. The monthly SIP amount remains constant throughout a year, then steps up.

Can I use this calculator for normal SIP?

Yes, simply uncheck the "Step-Up SIP" option, and it works as a standard SIP calculator.

SIP Calculator with Step-Up