Step-Up SIP Calculator
Estimate the corpus of a Systematic Investment Plan (SIP) where your monthly investment increases by a fixed percentage every year, see how much extra corpus the step-up generates compared with a regular SIP, and compare outcomes across a few standard step-up percentages and durations.
How is a Step-Up SIP calculated?
Your monthly investment stays constant within a year and increases by the annual step-up percentage at the start of each following year. Each monthly investment compounds at your expected annual return (converted to a monthly rate) until the end of the investment horizon. The comparison with a regular SIP uses the same initial amount, duration, and return, but with no annual increase.
This calculator does not account for mutual fund selection, expense ratios, exit load, taxation (STCG/LTCG), or inflation — it estimates a nominal corpus assuming a constant expected annual return, not a simulation of real market volatility.