Tools
Step-up SIP Calculator
Raise your SIP a little every year as your income grows. See how a step-up SIP can beat a flat SIP over time.
Estimated future value
₹—
Assumes the monthly amount rises by the step-up percentage at the start of each year, with a constant annual return compounded monthly. Estimates only; returns are not guaranteed. For education only — not investment advice.
Baasava Hathiwala
SEBI-registered Mutual Fund Distributor
Step-up SIP Calculator — Report
Prepared for: — ·
| Starting monthly investment | ₹— |
| Annual step-up | —% |
| Expected return (p.a.) | —% |
| Time period | — years |
| Invested amount | ₹— |
| Estimated gains | ₹— |
| Estimated future value | ₹— |
Assumes the monthly amount rises by the step-up percentage each year, with a constant annual return compounded monthly. Estimates only — mutual fund returns are not guaranteed and are subject to market risk. For education only, not investment advice.
Baasava Hathiwala
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Step-up SIP calculator — frequently asked questions
What is a step-up SIP?
A step-up (or top-up) SIP is a Systematic Investment Plan where you increase your monthly investment by a fixed percentage every year — for example, raising it 10% annually as your income grows. This can significantly boost your final corpus compared with a flat SIP.
How does a step-up SIP calculator work?
It compounds each month's investment at the expected return, and raises the monthly amount by your chosen step-up percentage at the start of every year. It then shows the total invested, the estimated gains and the final value.
Why choose a step-up SIP over a regular SIP?
Your income typically rises over time, so a step-up SIP lets your investing keep pace with it instead of staying flat. Because the extra contributions also compound, even a modest annual step-up can add meaningfully to your long-term corpus.
Is the step-up SIP calculator free?
Yes. It runs entirely in your browser, needs no sign-up, and is for education only. It does not guarantee returns — actual mutual-fund returns vary and are subject to market risk.