Step-Up SIP Calculator

Calculate the maturity value of a Step-Up SIP, where your monthly investment increases by a fixed percentage every year.

Starting Monthly Investment

₹

Annual Step-Up

Expected Annual Return

Years

Maturity Value

₹85,97,870.68

Total invested: ₹38,12,697.80
Total growth: ₹47,85,172.88

Assumptions

Assumes a constant annual step-up percentage and constant expected return

How it's calculated

Simulated one year at a time: each year compounds the current monthly investment, then the investment amount increases by the step-up percentage for the next year.

Worked example

Starting at ₹10,000/month with a 10% annual step-up at 12% expected return over 15 years grows substantially, shown live above.

Frequently asked questions

How is this different from a regular SIP?

A regular SIP keeps the same monthly contribution throughout; a Step-Up SIP increases it every year, typically in line with rising income.