Step-up SIP Calculator
🔒 In your browserSIP maturity when you raise the monthly amount each year.
How it works
A step-up SIP raises your monthly investment by a fixed percentage each year, in line with rising income. Enter your starting monthly amount, expected return, duration and the annual step-up to see the projected corpus.
Stepping up your SIP each year can grow the corpus substantially versus a flat SIP. Returns are market-linked and not guaranteed — this uses a constant assumed rate.
🔒 Calculated entirely in your browser — nothing is uploaded.
🔒 Calculated in your browser: your loan, investment and salary figures are never uploaded. Interest, tax and salary structures vary by bank and employer, so treat the result as a close estimate and confirm exact figures with them.
About the Step-up SIP Calculator
This free step-up SIP calculator projects the maturity of a SIP where you raise the monthly amount by a fixed percentage each year — in step with rising income. Enter your starting monthly investment, expected return, duration and the annual step-up.
It calculates in your browser — private and instant.
Why a step-up SIP grows faster
A regular SIP invests the same amount every month for years. A step-up (or top-up) SIP increases that amount annually, so as your salary grows you invest more without having to think about it. Because the larger later contributions still get years to compound, a modest annual step-up can lift the final corpus well above a flat SIP for the same starting amount.
A worked example
Start at ₹10,000 a month, assume 12% returns for 10 years, and step up 10% each year. The monthly amount rises to about ₹23,600 by the final year, and the corpus ends up meaningfully higher than a flat ₹10,000 SIP (about ₹23.2 lakh) — the extra invested over the years, compounded, does the work.
Frequently asked questions
What is a step-up SIP?
A SIP where you raise the monthly investment by a set percentage each year, usually to match salary growth. It builds a larger corpus than a flat SIP for the same starting amount.
How is a step-up SIP calculated?
Each year's monthly amount (increased by the step-up) is compounded to the end of the term, and the tool sums them. At a 0% step-up it equals a normal SIP.
How much should I step up each year?
A common choice is 5–10%, roughly tracking salary growth. Even a small annual step-up noticeably increases the final corpus over a long tenure.
Are the returns guaranteed?
No. SIPs are market-linked, so this uses a constant assumed return for planning — actual results vary with the market.
Is my data uploaded?
No. The calculation runs entirely in your browser.
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🔗 Embed this tool on your website — free
Copy this and paste it into your page's HTML. The tool runs in the visitor's browser, just like here. Change height to fit, or add the optional auto-resize snippet below. Add ?theme=dark to the URL for dark mode.
<iframe src="https://toolhq.dev/embed/step-up-sip-calculator/" title="Step-up SIP Calculator — ToolsHub" width="100%" height="520" style="border:1px solid #e5e7eb;border-radius:12px;max-width:680px" loading="lazy"></iframe>Optional: auto-resize the iframe height
Add this once on the same page so the iframe grows to fit the tool:
<script>
addEventListener("message", function (e) {
if (e.data && e.data.type === "toolshub:resize") {
document.querySelectorAll('iframe[src*="/embed/"]').forEach(function (f) {
if (f.contentWindow === e.source) f.style.height = e.data.height + "px";
});
}
});
</script>