Step-up SIP Calculator
See what a SIP could grow to when you increase the monthly amount a little every year. Calculated in your browser.
Estimates only, not investment advice. Actual returns vary, mutual fund investments are subject to market risks. Assumes a fixed monthly-compounded return and that your amount steps up once a year. Your inputs never leave your device.
A step-up SIP is a monthly investment where you increase the amount a little every year, often as your income grows. This tool estimates what that could grow to, and how much of it is your gains.
How to use
- Enter your starting monthly amount and how much you'll increase it each year (%).
- Add an expected yearly return and how many years you'll invest.
- Tap Calculate to see the estimated final value.
Frequently asked questions
How is this different from a regular SIP?
A regular SIP invests the same amount every month. A step-up SIP raises that amount once a year, so you invest more over time and can end up with a larger amount.
What return should I use?
It's your assumption, not a promise, equity funds have historically ranged widely. Many people try a range (like 10–12%) to see best and worst cases. Actual returns vary and aren't guaranteed.
Is my data saved?
No, the whole calculation runs in your browser and nothing is sent anywhere.