Step-up SIP Calculator

A Step-up SIP starts with a monthly contribution and increases that contribution once a year. A regular SIP keeps it unchanged.

1. Enter the initial monthly SIP.
2. Choose a percentage or fixed rupee annual increase.
3. Enter an assumed annual return and whole-year duration.

Percentage mode compounds the monthly contribution by the chosen annual rate. Fixed mode adds the same rupee amount after each 12-contribution block. Internal calculations keep full floating-point precision; displayed currency is rounded.

The comparison uses the same initial contribution, duration, monthly return conversion, and beginning-of-month convention, but applies no step-up. The corpus difference includes additional principal and its estimated growth; it is not all extra return.

Separate total invested from estimated returns. The final monthly SIP is the last contribution, and the step-up count includes only increases that affected at least one contribution.

• Applying the first increase before month 13.
• Calling the full corpus difference extra returns.
• Ignoring how quickly percentage increases compound.

• Compare percentage and fixed increases.
• Test zero step-up against a regular SIP.
• Review the final monthly contribution for affordability.

• Makes future contribution growth explicit.
• Shows the contribution path alongside the projected corpus.
• Provides a like-for-like regular SIP comparison.

• Increasing contributions can align with rising income.
• Percentage increases can become difficult to afford over long durations.
• A constant assumed return does not model volatility, fees, taxes, inflation, missed payments, or market losses.
• This educational scenario is not personalised investment advice or a guaranteed outcome.