Step-up SIP Calculator
Project a SIP that increases every year and see the wealth boost vs a flat SIP.
Best for: Use it if your salary grows yearly and you want your investing to grow with it, or to hit a goal faster without a big upfront jump.
Input
Result
EstimateMaturity value
$8,683,849
What your numbers show
- You invested $3,812,697.80, and it grew to $8,683,849.43 — a 127.8% total gain.
- 56.1% of your final corpus is investment growth rather than your own contributions — that is compounding doing the work.
What to do next
Part of the 📈 Build Wealth pathNext: Net Worth CalculatorMore about this result
- Type
- Projection
- Method
- Assumption-based projection
- Confidence
- Indicative
A forward-looking projection based on assumptions (rates, returns, time); actual outcomes will differ.
The corpus is usually far larger than a flat SIP for a modest yearly increase. Compare the two totals to see the payoff of stepping up.
- 1.Step-up rateHigh impact
Annual increases compound into a much bigger corpus.
- 2.DurationHigh impact
More years means more compounding.
- 3.Expected returnHigh impact
Drives growth alongside contributions.
- Raise the annual step-up if income allows
- Stay invested longer
- Keep costs low
- Inflation often matters more than expected over the long run.
- Small rate changes can significantly affect total outcomes.
- Long-term consistency usually beats short-term timing.
Small, consistent changes compound: time in the market usually beats timing the market.
Worth a revisit later — market returns change.
How it's calculated & sources
- Constant return assumption
- Annual step-up applied
- Returns vary in reality
Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.
How it works
A step-up SIP increases your contribution at a chosen interval (monthly to yearly), by a percentage or a fixed amount. Each period the balance grows at the expected return and your (rising) contribution is added — boosting the final corpus versus a flat SIP.
Frequently asked questions
Why use a step-up SIP?+
Your income usually rises over time, so increasing your SIP keeps pace and builds a much larger corpus than a fixed SIP.
Which frequencies are supported?+
Contribute weekly, monthly, quarterly, half-yearly or yearly, and step up at any interval from monthly to yearly.
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