Work out step up sip instantly with clear inputs, formula shown and shareable results.
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.
Step-up SIP
FV = Σ P₀(1+g)^(year-1) × (1+r)^(n-t+1)
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.
A larger flat amount from day one wins if you can afford it. The step-up matches what most incomes actually allow.
Around your expected pay rise — typically 5-10% a year.