Step-up SIP Calculator
A step-up (or 'top-up') SIP increases your monthly investment by a fixed percentage every year — a natural fit as your income grows. This calculator starts with your base monthly amount, raises it annually by the step-up rate you choose, and compounds each contribution to project your final corpus.
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How This Calculator Works
Compoundly projects the future value of a Systematic Investment Plan (SIP) using standard compound-interest math — the same approach most mutual fund calculators use.
Monthly amount, expected annual return, and how many years you plan to invest.
Each contribution is added at the start of the month, then grows at your expected rate — compounding every month for the full duration.
Optionally factor in a step-up SIP, fund expense ratio, inflation, and estimated tax to see a more realistic, after-cost picture.
Switch modes to plan toward a goal amount, see the cost of delaying, or compare a lumpsum against a monthly SIP.
Frequently Asked Questions
What step-up percentage is typical?
A common starting point is stepping up by roughly the same rate as your expected annual salary growth, often somewhere between 5% and 15% a year, though there's no fixed rule — any increase compounds faster than a flat SIP.
Does step-up SIP really make a big difference?
Yes, especially over longer durations. Because later, larger contributions still get many years to compound, even a modest annual step-up can meaningfully increase your final corpus compared to keeping the SIP amount flat.
How is the maturity value calculated?
Your monthly contribution increases by the step-up percentage at the start of each year, and each contribution compounds at your expected annual return for its remaining time invested.
Does it detect my currency automatically?
Yes — it checks your browser's language and region settings on load, and you can override it manually.