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Step-up SIP Calculator

See how increasing your SIP every year boosts your final corpus.

Results are estimates for illustration and do not guarantee returns. Actual returns depend on market conditions and the products you choose.

What is the Step-up SIP Calculator?

A step-up (or top-up) SIP increases your monthly investment by a fixed percentage each year, usually in line with salary hikes. Even a 10% annual increase can dramatically raise your final corpus compared with a flat SIP.

How it is calculated

Each year the monthly SIP grows by the step-up percentage; every instalment compounds monthly at the expected return until the end of the period.

How to use it

  1. Move the sliders or type values into the boxes.
  2. The result and breakdown update instantly.
  3. Use the year-by-year view to see how your money grows.
  4. Book a free consultation to turn the estimate into a fund-by-fund plan.
FAQs

About the Step-up SIP Calculator

Still have questions? Talk to us
How much should I step up each year?
Many investors match their expected salary increase — typically 5–15% a year.
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