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About the Step Up SIP Calculator
A flat SIP loses ground to inflation and to your own rising income. A step-up SIP raises the instalment by a set percentage each year, usually timed with the annual increment, so your investing keeps pace with your earning.
The compounding effect is striking. Over fifteen years at 12%, a 10% annual step-up on a ₹10,000 starting SIP produces roughly 60% more corpus than keeping the amount flat — while never asking you to cut back on anything you were already spending.
The formula
Computed month by month rather than by a closed-form approximation, so the answer is exact.
Things worth knowing
Frequently asked questions
A SIP where the monthly instalment increases by a fixed percentage each year, usually aligned to salary increments, so your investment grows with your income.
Substantial. A 10% annual step-up over fifteen years typically produces around 60% more corpus than a flat SIP of the same starting amount — the comparison is shown above for your numbers.
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