What is a Step-Up SIP?

A Step-Up SIP is an investment plan where you increase your SIP amount at regular intervals—typically annually—either by a fixed amount or a percentage. This helps align investments with income growth.

How does a Step-Up SIP Calculator work?

This calculator lets you project the future value of your SIPs by factoring in annual step-up increments, compounding returns, and investment duration. You can choose between step-up by percentage or fixed rupee value.

Why should I consider step-up SIPs?

As your income increases over time, stepping up your SIP ensures your savings grow in tandem. It helps in reaching long-term goals faster without feeling a sudden financial burden.

Who should use this Step-Up SIP Calculator?

It’s ideal for salaried individuals and anyone whose income grows annually. You can simulate how increasing contributions impact long-term wealth accumulation.

What inputs are needed for the calculator?

You’ll need to input:

• Initial Monthly Investment
• Step-Up % or Fixed Annual Increase
• Expected Annual Return
• Investment Duration (in years)

Can I compare percentage vs fixed step-up options?

Yes. This tool allows you to toggle between increasing SIPs by a percentage or a fixed ₹ amount to help you compare different strategies visually.

Is Step-Up SIP better than a regular SIP?

It depends on your income pattern and goals. A Step-Up SIP helps accelerate your wealth creation without requiring a high initial investment, making it ideal for young earners.

Does this calculator assume monthly compounding?

Yes. The calculator compounds returns monthly to provide an accurate estimate of how your investment grows with regular contributions and step-ups.

Can this help in retirement planning?

Absolutely. Step-Up SIPs allow you to invest more over time, enabling better retirement corpus accumulation while adjusting to inflation and rising costs.

Will this calculator show monthly investment growth?

Yes. In addition to total corpus value, the tool plots a bar chart of monthly SIP investments so you can visualize how your contribution evolves over time.