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Step Up SIP Calculator

Work out step up sip instantly with clear inputs, formula shown and shareable results.

About Step Up SIP Calculator

A step-up SIP raises the instalment each year in line with income growth. Because the extra amounts still have years to compound, a 10% annual step-up typically lifts the final corpus by well over half against a flat SIP.

Formula

Step-up SIP

FV = Σ P₀(1+g)^(year-1) × (1+r)^(n-t+1)

g
Annual step-up
r
Monthly return

Worked example

With the default values below, Step Up SIP Calculator returns Maturity Value of $19,888,715.49. Change any input above and every figure here is recalculated in your browser.

Inputs used

Starting Monthly Investmentminimum 0
10,000
Annual Increase In Instalmentaccepts 0–50 %
10 %
Expected Annual Returnaccepts 0–100 %
12 %
Investment Period In Yearsaccepts 1–40
20

Results

Maturity Value
$19,888,715.49
Total Invested
$6,872,999.94
Wealth Gained
$13,015,715.55
Instalment In The Final Year
$61,159.09

Step by step

  1. 1Values used
  2. 2Step-up SIP
  3. 3Maturity Value= 19,888,715.49
  4. 4Total Invested= 6,872,999.94
  5. 5Wealth Gained= 13,015,715.55
  6. 6Instalment In The Final Year= 61,159.09

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

Is a step-up better than starting with a larger flat SIP?

A larger flat amount from day one wins if you can afford it. The step-up matches what most incomes actually allow.

What step-up rate is realistic?

Around your expected pay rise — typically 5-10% a year.

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Step Up SIP Calculator | Calcrivo