Investment
Step-Up SIP Calculator
Model a SIP that grows with your salary — usually gets you to your goal 2–3× faster.
SIP with annual step-up
10% matches typical Indian appraisals
Future value
₹85,97,871
Final SIP: ₹38.0K/mo
- Total invested
- ₹38,12,698
- Wealth gained
- ₹47,85,173
Each year the SIP grows by 10%. Compounded monthly at 12% p.a.
Invested vs returns
- Invested
- Returns
Total: ₹85.98 L
Year-by-year growth
Formula
How the math works
FV = Σ (SIPₖ × [((1+r)ⁿᵏ − 1)/r] × (1+r))
- SIPₖ
- SIP for year k, growing by step-up %
- r
- Monthly return
- nₖ
- Remaining months from year k
Method
How it works
- 1
Enter your starting monthly SIP.
- 2
Choose the annual step-up percentage — 5%, 10% or match your appraisal.
- 3
Pick a return assumption and total years.
- 4
CalcPe simulates each month and compounds every step-up cohort.
Worked example
A quick walkthrough
Inputs
₹10,000/month SIP with 10% annual step-up for 15 years at 12% p.a.
Steps
- Year 1 SIP = 10,000
- Year 2 SIP = 11,000
- Year 15 SIP = 35,950
- Compound each cohort forward
Result
Future value ≈ ₹85.98 L vs ~₹50.46 L with a flat ₹10k SIP.
Why use it
Why CalcPe’s Step-Up SIP Calculator
- Match your SIP with your income growth without pain.
- Nearly doubles the corpus vs a flat SIP over 20 years.
- Beats inflation without you having to increase SIP manually.
- Perfect for retirement, kids’ education and long-term goals.
FAQ
Frequently asked questions
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