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Step-up SIP Calculator

Estimate a monthly SIP that increases after every 12 contributions and compare it with a regular SIP.

Step-up SIP details
Enter the SIP amount you'll start with in year one.
10% means the monthly SIP increases by 10% after every 12 contributions.
A constant modelling assumption for this scenario, not a forecast or guaranteed return.

Estimated maturity value over 10 years, final monthly SIP ₹23,579.48

₹33,74,326.26

Invested vs returns

  • Invested₹19,12,490.95
  • Returns₹14,61,835.31
Total invested
₹19,12,490.95
Estimated returns
₹14,61,835.31

The share link includes the values you entered — anyone with the link can see them.

Regular SIP comparison

What the same starting amount would have grown to without any step-up.

Regular SIP maturity value
₹23,23,390.76
Additional amount invested
₹7,12,490.95
Difference in estimated maturity value
₹10,50,935.50

Growth breakdown

Invested vs returns, year by year

Each bar is one year's contribution, split by what was invested vs. what came from estimated returns.

Growth schedule

Cumulative invested amount vs. estimated year-end value. Each increase starts only after a completed block of 12 contributions.
  • Estimated year-end value
  • Cumulative invested
₹0₹8.4L₹17L₹25L₹34LYr 1Yr 4Yr 7Yr 10
Year 3
₹4,76,409.93
Year 7
₹17,09,527.15
Year 10
₹33,74,326.26
Total gain
₹14,61,835.31

Displayed currency is rounded to two decimal places; calculations retain full precision.

Formula and worked example

How the step-up SIP maturity value is calculated, with a sample investment worked through step by step.

Month-by-month step-up SIP method

Each contribution is added at the beginning of the month, then receives that month's assumed growth. P changes only after each completed block of 12 contributions.

Vₘ = (Vₘ₋₁ + Pₘ) × (1 + r)

Pₘ
Contribution applicable for month m
r
Annual return divided by 12 and 100
Vₘ
Estimated value after month m

Step-up SIP example

₹10,000 monthly, increased by 10% after each completed block of 12 contributions, at an assumed 12% annual return for 10 years.

Sample inputs

Initial monthly SIP
₹10,000
Annual step-up
10%
Duration
10 years

Example results

Total invested
₹19,12,490.95
Estimated maturity value
₹33,74,326.26
Final monthly SIP
₹23,579.48
Regular SIP maturity value
₹23,23,390.76

Understand a Step-up SIP projection

See how annual increases change contributions and why the result remains an uncertain market scenario.

Understand a Step-up SIP projection

See how annual increases change contributions and why the result remains an uncertain market scenario.

What is a Step-up SIP?

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

Inputs used

  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.

Exact contribution timing

Percentage and fixed methods

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.

Comparison with a regular SIP

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.

How to read the results

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.

Common mistakes

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

Practical scenario checks

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

Potential planning benefits

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

Benefits and practical limitations

  • 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.

Related learning

Step-up SIP meaningRead the concise glossary definition.Regular SIP CalculatorEstimate a constant monthly SIP.Lumpsum CalculatorExplore a one-time contribution.CAGR CalculatorUnderstand annualised growth.

Frequently asked questions

Common questions about step-up SIPs and how this calculator works.

Frequently asked questions

When is the annual step-up applied?

The first 12 contributions use the initial amount. The first increase affects contribution 13, then contribution 25, and so on.

How does this differ from a regular SIP?

A regular SIP keeps the monthly contribution constant. A step-up SIP increases it yearly by the selected percentage or fixed rupee amount.

Are the estimated returns guaranteed?

No. The constant return is only an educational assumption; market returns vary and may be negative.

Does the extra corpus mean extra returns?

No. It includes additional contributions as well as the estimated growth on them.

Can a step-up become unaffordable?

Yes. Percentage increases compound over time. Check the final monthly SIP and use a contribution path you can sustain.

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