Finance
Step-Up SIP Calculator
A flat SIP undersells your future income. A step-up SIP increases your monthly contribution every year (typically by 5–15%) and dramatically boosts your final corpus. See exactly how much extra wealth a small annual increase creates over 15–25 years.
SIP grows by this % each year (typical 5–15%).
Peak: ₹1,98,88,715
Methodology
How we calculate this
FVₜ = (FVₜ₋₁ + 12·Pₜ) × (1 + r) ; Pₜ = P₀ × (1 + g)^t
Each year's contribution grows by step-up rate g; existing corpus compounds at r.
- A 10% step-up roughly tracks typical Indian salary growth.
From the blog
Read about this topic
How to Start Investing With ₹5000: A Step-by-Step Guide
A practical, no-fluff playbook for starting your investing journey with just ₹5,000 a month — exactly where to put it, in what proportion, and how to grow it into a real corpus over 10–25 years.
Asset Allocation by Age: A Practical Roadmap for Indian Investors
Your investment mix should evolve as you age. The classic '100 minus age in equity' rule, why it's incomplete, and a refined framework for Indian conditions.
Balanced and Hybrid Funds Explained: Six Categories, Compared
Aggressive Hybrid, Conservative Hybrid, Balanced Advantage, Multi-Asset, Equity Savings, Arbitrage — six SEBI hybrid categories doing very different things. Pick the right one.
Related tools
Need a finance read next?
Our blog and finance hub explain the ideas behind these tools — clearly and without jargon.
Frequently asked
- What step-up should I plan for?
- Match your expected salary growth. 10% is a safe default for early-career; mid-career professionals can target 8–12%.
- Can I auto-schedule a step-up SIP?
- Yes — most AMCs and platforms (Groww, Coin, MFCentral) let you set an annual step-up amount or % when registering the SIP.
Try SIP Calculator next →
SIP Calculator