Investment calculators
Step-up SIP Calculator
A step-up SIP increases your monthly instalment every year, in line with your salary. Small increases make a big difference over 15–20 years.
How this calculator works
The calculator invests your starting SIP for 12 months, then raises it by the step-up percentage and repeats every year. Each instalment compounds monthly at your assumed return.
Things to keep in mind
- A 10% yearly step-up is a practical starting point for most salaried investors.
- Most fund houses let you register a step-up when you start the SIP, so it happens automatically.
- Compare the result with a flat SIP to see what the increase is worth.
FAQs
Is step-up the same as top-up?
Yes. Fund houses call it SIP top-up, step-up or booster.
Can I step up by a fixed amount instead of a percentage?
Yes, most AMCs allow both. This calculator uses a percentage.
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