SIP & Step-up SIP Calculator

See how an annual step-up multiplies your wealth vs a flat SIP.

Monthly SIP (₹)

Expected Return (% p.a.)

Years

Annual Step-up (%)

Set 0 to disable step-up.

Regular SIP

Future Value₹98,92,554

Invested₹24,00,000

Wealth gain₹74,92,554

Step-up SIP (10% / yr)

+₹97,99,244

Future Value₹1,96,91,798

Invested₹68,73,000

Wealth gain₹1,28,18,798

Growth comparison

Top line: Step-up SIP. Lower line: Regular SIP.

FAQ

What is a step-up SIP?

A step-up (or top-up) SIP automatically increases your monthly contribution by a fixed percentage every year, typically aligned to salary hikes. It compounds far more than a flat SIP over the long term.

How does compounding work here?

Each month's contribution is invested at the assumed annual return, compounded monthly. The future value grows exponentially even if you do not increase contributions, but a step-up amplifies it.

Is the return guaranteed?

No. Equity SIPs typically assume 10–14% long-run returns based on historical data. Always treat projections as illustrative, not guaranteed.