Step-Up SIP Calculator – Annual SIP Increase & Wealth Growth

SIP Details

Return Presets

Conservative 10%

Moderate 12%

Aggressive 15%

Optimistic 18%

Monthly SIP Amount ₹5,000

SIP must be ₹500–₹5,00,000

Please enter a monthly SIP amount

Annual Step-Up (%) 10% p.a.

Step-up must be 0%–50%

Expected Annual Return (%) 12.0% p.a.

Return rate must be 1%–30%

Please enter an expected return rate

Investment Duration (Years) 10 yrs

Duration must be 1–40 years

Portfolio Breakdown

Total Invested

Wealth Gained

Final Corpus

SIP Summary

Final Corpus Loading…

₹ 0

Wealth Gained

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—× of invested

Step-Up Extra Gain

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vs flat SIP

Total Invested (Step-Up)

₹0

Wealth Gained

₹0

Final Corpus

₹0

Wealth Multiplier

—×

Flat SIP Corpus

₹0

Step-Up Extra Gain

₹0

Final Monthly SIP

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XIRR (Approx.)

—

Invested vs Wealth Gained

Total Invested₹0

Wealth Gained₹0

Final Corpus₹0

Smart Insights

Step-Up vs Flat SIP Comparison

Scenario A uses your current Step-Up SIP. Scenario B is a Flat SIP (no annual increase) of the same starting amount. Adjust any field and click Compare.

Step-Up SIP (Current)

Monthly SIP (₹)

Step-Up (%)

Return (%)

Tenure (yrs)

Flat SIP (No Step-Up)

Monthly SIP (₹)

Step-Up (%)

Return (%)

Tenure (yrs)

Metric	Scenario A	Scenario B

Year-wise Growth Schedule

Growth Schedule

Year 1

Year 1 breakdown

Monthly SIP This Year

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Invested This Year

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Wealth Gained (Cumul.)

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Portfolio Value

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Invested

Wealth Gained

Disclaimer: Step-Up SIP calculations use monthly compounding with an annual SIP increase applied at the start of each year. Results are estimates based on the assumed return rate and may not reflect actual mutual fund returns. Mutual fund investments are subject to market risks. Past performance is not a guarantee of future returns. Consult a SEBI-registered financial advisor before investing. Calculations are based on FY 2026-27 planning standards.