Step-Up SIP Calculator

A flat SIP invests the same amount every month for the entire period, which means the earliest instalments — the ones with the most time to compound — are sized for your income today, not your income in year ten. A step-up SIP raises the monthly amount by a fixed percentage once a year, so contributions grow roughly in line with a typical salary increment.

This calculator applies the step-up at the start of each year (so year 1 uses your starting amount, year 2 uses it × (1 + step-up), and so on), then compounds monthly at your expected return — the same mechanics as the plain SIP calculator, just with a contribution that changes annually instead of staying fixed.

The trade-off is discipline: a step-up SIP commits you to increasing outflows every year, which only works if you genuinely expect your income to rise at roughly that pace. If your income is variable, a flat SIP you can sustain is usually a safer default than a step-up you might have to pause.