Step-Up SIP – Calculate Returns with Annual Increases

A Step-Up SIP Calculator helps estimate the future value of investments when your monthly SIP amount increases automatically every year. It shows how gradually increasing contributions can boost wealth over time.

In Step-Up SIPs, your monthly investment increases by a fixed percentage or amount annually. The calculator applies these increments and compounding returns to project the maturity value.

Step-Up SIPs let you start small and increase investments as income grows, helping you build a larger corpus without heavy initial burden.

Yes — it’s ideal for long-term goals like retirement or education. Annual increases accelerate corpus growth compared to fixed SIPs.

No — the calculator gives projections based on expected returns; actual returns depend on market performance and fund selection.

Annual step-up percentage, tenure, expected returns and consistency influence results. Higher step-ups and longer tenures typically yield larger final corpus.

Regular SIPs keep the monthly invested amount constant; Step-Up SIPs increase the amount annually by a chosen percentage or fixed amount.

Common choices are 5%–10% annually, depending on expected income growth and comfort with rising contributions.

Most platforms allow modifying or pausing the step-up feature. Check with your fund distributor for flexibility options.

Generally yes — increasing contributions over time combined with compounding usually produces a larger corpus than a fixed SIP starting at the same base amount.

Yes. Beginners can start with a lower base amount and increase contributions as income grows, making step-up SIPs beginner friendly.

The calculator provides estimates based on inputs. Actual results depend on market performance and fund selection; use projections for planning only.