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Step-Up SIP Calculator

A Step-Up SIP increases your monthly investment by a fixed percentage every year — usually aligned with your annual salary hike. This dramatically boosts your final corpus without straining current cashflow.

₹
₹500₹2,00,000
yrs
1 yrs40 yrs
%
1%30%
%
0%30%
Total Invested₹19,06,349
Estimated Returns₹22,44,890
Total Wealth₹41,51,239
SIP

Formula

M = Σ [ Pₖ × ((1+i)¹² − 1)/i × (1+i) × (1+r)^(N−k) ]

Where Pₖ = P × (1+s)^(k−1) — the SIP increases by s% every year.

Where

  • P= Initial monthly SIP
  • s= Annual step-up rate (%)
  • r= Annual expected return
  • N= Total years
  • k= Year index (1 to N)

How to use the Step-Up SIP Calculator

  1. 1Enter your starting SIP amount.
  2. 2Set your annual step-up percentage (10% matches typical salary hikes).
  3. 3Choose tenure and expected return.

Why it matters

  • Builds 2–3x more wealth than a flat SIP.
  • Naturally aligns with rising income.
  • Beats inflation on your savings rate.

Ready to invest?

Start a SIP guided by Returnly experts. Zero account opening charges.

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Frequently asked questions

What is a good step-up rate?+

10% per year is a healthy default — match your average annual increment.