Free Step Up SIP Calculator
Plan your investments with increasing SIP amounts over time
Step Up SIP allows you to increase your investment amount periodically, helping you grow your investments in line with your income growth.
Total Investment
Estimated Returns
Total Value
| Initial SIP | ₹5,000 |
|---|---|
| Final SIP | ₹0 |
| Step Up % | 10% |
| Duration | 10 years |
| Expected Return | 12% p.a. |
| Year | SIP Amount | Invested | Returns | Total Value |
|---|
Chart will appear after calculation
About Free Step Up SIP Calculator
Step Up SIP Calculator is a financial tool that helps investors understand what their future investment value would be if they increase their SIP amount every year (e.g. 10% every year). In Regular SIP, you invest a fixed amount every month, but in Step Up SIP, you can increase your investment amount over time—for example, to increase income or to compensate for inflation.
This calculator shows you:
Future Investment Value – How much money can be made over time.
Estimated Returns – How much profit can be made.
Impact of Step Up SIP – What will be the effect on future value by investing a little extra.
Inflation-adjusted Value – What will be the purchasing power of money in the future.
Why is a Step Up SIP Calculator Important?
- Beat inflation – The value of regular SIPs can reduce over time due to inflation. Increasing investments helps maintain purchasing power.
- More Wealth Creation – Increasing investments over time gives the benefit of compounding on a larger corpus, which also results in higher returns.
- Adjust with salary growth – When income increases, investments can also increase accordingly. This does not put pressure on EMI or expenses.
- Disciplined Investing – Instead of investing a large amount, increasing little by little is sustainable and reduces financial stress.
- For a comfortable retirement – ​​This strategy is very helpful in creating a big corpus for long-term goals like retirement. Take steps from today itself to remain tension-free in the future.
Key Features
- Easy to use – Works flawlessly on mobile or desktop.
- Inflation calculation – Toggle and see real (inflation-adjusted) returns.
- Interactive sliders – Try different inputs, see the results instantly.
- Year-on-year details – Understand in detail how money grew each year.
- Easy-to-understand charts – See the graph of SIP growth and portfolio value.
- No login – 100% free, no restrictions.
How to Use a Step Up SIP Calculator & Why?
- Enter Initial SIP Amount: Enter your current monthly investment, for example ₹5,000.
- Select Step-Up Percentage: How much do you want to increase your SIP each year? (Generally, 10%).
- Select Investment Duration: For how many years do you want to invest? (for example, 15 years).
- Estimate Expected Return Rate: Based on historical average returns, for example, 12% in equities.
- Inflation Adjustment (Optional): Enable it if you want to see today’s value of money.
- Press Calculate: And see the projection of future wealth!
How will this work?
- Make plans for long-term goals: Retirement, child’s education, buying a house – a good strategy for everything.
- Grow investments smartly: Maximize returns by increasing your SIP a little every year.
- Compare Fixed SIP vs. Step-Up SIP: You will understand the difference between the two after seeing them.
Why use it? Because investing after thinking a little extra can give you huge benefits in the future!
Frequently Asked Questions
Yes! Step Up SIP helps manage inflation and take better advantage of compounding by increasing investments over time.
Typically, the rate is increased by 5-15% every year, depending on your salary growth. Using the calculator, you can test different rates.
No, returns depend on market performance, but increasing investments leads to a larger final corpus.
Yes, most mutual funds have the facility to modify SIPs. Ask your fund provider.
Inflation reduces the value of money. The calculator adjusts for inflation and shows real returns.