All calculatorsCalculators / Step-Up SIP

Step-Up SIP Calculator

SIP that rises every year with your income. Classroom maths only — not investment advice and not a broker product.

Inputs

Starting monthly SIP (₹)Annual step-up (%)Expected return (% p.a.)Time period (years)

Expected corpus

₹86,83,849

Invested: ₹38,12,698
Est. gains: ₹48,71,152
Step-up / year: 10.0%

How this works

Start with a monthly SIP. After every 12 months, the instalment rises by your step-up %.
Each month: corpus grows at monthly rate, then the new instalment is added.
Total invested sums every instalment actually paid.

Educational only. PaisaTrade is not a broker and not SEBI-registered investment advice. Verify figures with your bank, broker, or tax professional before acting.

FAQs

Why use a step-up SIP?

As salary rises, raising SIP by 5–10% a year can materially lift long-term corpus versus a flat SIP.

Can platforms automate step-up?

Many AMCs and apps support annual SIP increase. This page only shows the maths.