Step-up SIP Calculator
Calculate returns on SIP that increases every year with your salary hike.
SIP Details
Match your expected annual salary hike. 10% is a good starting point for most salaried professionals.
SIP progression
Your SIP grows from ₹10,000 to ₹61,159/month by year 20.
Total corpus after 20 years
₹1.99 Cr
2.9x wealth · Invested: ₹68.73 L
Total invested
₹68.73 L
Returns
₹1.30 Cr
Final SIP
₹61,159/mo
Total invested
₹68.73 L
35% of corpus
Total returns
₹1.30 Cr
65% of corpus
Extra vs regular
₹98.97 L
step-up advantage
📊 Step-up SIP vs Regular SIP
Step-up SIP
₹1.99 Cr
Invested: ₹68.73 L
Regular SIP (flat ₹10,000/mo)
₹99.91 L
Invested: ₹24.00 L
Step-up SIP gives you ₹98.97 L more — that's 99% more wealth for just 10% higher contribution each year.
65% of your corpus is pure returns 🚀
💡 The step-up advantage
Starting at ₹10,000/month and increasing by 10% every year, your SIP reaches ₹61,159/month by year 20. This progressive increase matches your growing income and builds ₹98.97 L more than a flat SIP — purely from the power of compounding on higher contributions.
Year-by-year growth — Step-up vs Regular
Related tools