Question 1

What is a step-up SIP calculator?

Accepted Answer

It estimates the future value of a SIP that increases by a fixed percentage every year. Enter your starting monthly SIP, the annual step-up percentage, the expected return, the tenure, and an optional initial lump sum, and it projects the invested amount, returns, and final corpus year by year.

Question 2

What does 'annual step-up' mean?

Accepted Answer

It is the percentage by which your monthly SIP rises each year. A ₹25,000 monthly SIP with a 10% step-up becomes ₹27,500 per month in year two, ₹30,250 in year three, and so on - mirroring the way salaries typically grow.

Question 3

How much difference does a step-up make?

Accepted Answer

A large one. ₹25,000 per month for 10 years at 12% grows to about ₹58.1 lakh as a flat SIP. The same SIP stepped up 10% every year grows to about ₹81.7 lakh - roughly ₹23.6 lakh more, for contributions that only rise in line with a typical increment.

Question 4

Can I add a starting lump sum?

Accepted Answer

Yes. The initial amount field lets you begin with an existing corpus, which is treated as the opening balance and compounds along with your growing contributions.

Question 5

How is the final corpus computed?

Accepted Answer

Year by year: each year's higher monthly SIP is compounded through that year, added to the corpus carried forward from previous years, and the whole balance keeps compounding at the expected return until the end of the tenure.

Question 6

Who should use a step-up SIP?

Accepted Answer

Anyone whose income is likely to rise - salaried professionals in particular. If your income is expected to stay flat, a fixed SIP you can sustain comfortably is the more practical choice.

Question 7

Can I change the step-up percentage on a real investment?

Accepted Answer

In the calculator you can try any rate between 5% and 25%. With an actual mutual fund, step-up (top-up) facilities and their modification rules depend on your platform or fund house, so check before committing.

Year	Opening balance	Investment	Returns	Corpus
2026	₹0	₹3,00,000	₹19,162	₹3,19,162
2027	₹3,19,162	₹3,30,000	₹59,378	₹7,08,541
2028	₹7,08,541	₹3,63,000	₹1,08,211	₹11,79,752
2029	₹11,79,752	₹3,99,300	₹1,67,075	₹17,46,128
2030	₹17,46,128	₹4,39,230	₹2,37,591	₹24,22,949
2031	₹24,22,949	₹4,83,153	₹3,21,615	₹32,27,717
2032	₹32,27,717	₹5,31,468	₹4,21,273	₹41,80,458
2033	₹41,80,458	₹5,84,615	₹5,38,997	₹53,04,071
2034	₹53,04,071	₹6,43,077	₹6,77,565	₹66,24,712
2035	₹66,24,712	₹7,07,384	₹8,40,150	₹81,72,246

Step-up SIP Calculator

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