Step-up SIP Calculator
Project a SIP that increases once a year. You set the starting installment, the annual step-up, the expected return, and the tenure.
How it is calculated
Installment in year k = P × (1 + s)^(k − 1), then the same monthly SIP growth
- s is the step-up percent divided by 100. Year 1 uses P. Year 2 uses P × (1 + s).
- Each month still adds the installment first and then applies one month of growth.
- A 0% step-up matches the plain SIP calculator.
This is a projection or a description of the numbers you type. It is not financial advice.
When the installment changes
A step-up SIP starts at the amount you enter and increases by the step-up percent at each anniversary of the plan. Months 1 to 12 use the starting amount. Months 13 to 24 use the raised amount, and so on.
The expected return is still a constant rate you choose. The step-up changes how much you contribute, not the market.
Questions
Does the step-up happen every month?
No. It happens once every 12 months. The monthly amount is flat inside a year.
What does 10% step-up mean?
If you start at ₹5,000, year 2 is ₹5,500 a month, year 3 is ₹6,050, and so on. The increase compounds on the installment, not on the portfolio.
Can I set the step-up to zero?
Yes. The projection then matches the SIP calculator for the same installment, rate, and tenure.
Is the return a fund's historical CAGR?
No. Type the annual rate you want to test. This page does not store or fetch scheme performance.
Does this include tax on the gains?
No. The value is before tax and before any exit load.