Step-up SIP calculator
See how much more you could build by increasing your SIP every year, by a percentage of the instalment or by a fixed rupee amount.
Year-by-year breakdown
Illustration only. Returns are assumed and not guaranteed; mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Dhanishi Ventures is a mutual fund distributor and does not provide investment advice.
About the step-up SIP calculator
A step-up SIP starts at an amount you are comfortable with today and increases it once a year. Even a 10% annual increase can add substantially to the final corpus over 15 to 20 years.
Choose whether the increase is a percentage or a fixed amount. The year-by-year table shows your monthly instalment in each year.
The formula
Each month’s instalment is then compounded monthly to the end of the period.
Frequently asked questions
What is a step-up SIP?
A step-up (or top-up) SIP raises your monthly instalment every year, either by a percentage or by a fixed amount. Because most incomes rise over time, stepping up lets your investments keep pace and can make a large difference to the final value.
How much should I step up each year?
Many investors link the step-up to their expected salary increase, often 5% to 15%. A step-up you can sustain every year matters more than a high one you may have to stop.
Are the returns guaranteed?
No. Mutual fund returns depend on markets and vary from year to year. The calculator uses one constant rate to illustrate the effect of compounding; actual results will differ.