A Step-Up SIP Calculator projects the future value of mutual fund investments, assuming you start with a fixed monthly SIP amount and increase it annually by a set percentage, helping you build wealth faster as your income grows.​

What is Step-Up SIP Calculator

A Step-Up SIP Calculator is a digital tool that helps you calculate returns from a Systematic Investment Plan (SIP). Here it is assumed that the monthly investment amount increases periodically (usually annually) by a fixed percentage or a fixed amount.

Unlike regular SIP calculators, it shows both the step-up corpus. The calculator can compare it against a flat SIP to highlight extra wealth created.​

Regular SIPs assume fixed contributions, but incomes often rise 8-15% yearly, a step-up calculator shows how matching investments to salary hikes can significantly multiply your retirement corpus.​

It helps plan realistic goals, such as buying a home or funding education, by factoring in income growth without manual recalculations.​

Step-Up SIP calculator a financial planning tool that calculates the maturity value of SIPs with automatic annual increases, using inputs such as the initial SIP amount, step-up rate, expected returns, and investment tenure.​

Outputs include total invested (with/without step-up), returns earned, final corpus, and the wealth gap versus a standard SIP.​

How does Step-Up SIP Calculator help you? 

It reveals how compounding works on escalating investments, motivating disciplined saving while accounting for inflation and salary increments.​

Formula (future value of step-up SIP): Sum the future value of each year's SIP instalments, where the monthly SIP for year t.

calculated as:

FV=P X [(1+r)n−1]/r  X (1+r) 

Example: 

Start ₹5,000/month SIP, 10% annual step-up, 12% expected return, 15 years. Year 1 SIP stays ₹5,000; Year 2 jumps to ₹5,500; by Year 15 it's ~₹21,000/month. 

Step-Up SIP Year wise breakup:

The total corpus could reach ₹80 lakhs, vs ₹45 lakhs for a flat SIP (a difference of ₹35 lakhs).​

How to use Stockify Step-Up SIP Calculator

Follow these simple steps to calculate the step-up SIP calculator:

Step 1: Enter in the first monthly SIP amount

Enter the amount you want to invest each month, like ₹5,000. This is the starting point for all future calculations of step-ups.

Step 2: Set the percentage of the annual step-up

Pick the rate of increase each year (for example, 10%). This shows that salary increases or increases that beat inflation are expected.

Step 3: Enter the expected rate of return.

Type in the estimated yearly return, like 12%. Use safe guesses based on the type of mutual fund you choose.

Step 4: Select total tenure in years

Choose the period you want to invest (for example, 15 years). Longer tenures make the compounding benefits of step-up SIPs even bigger.

Advantages of Stockify's Step-Up SIP Calculator

These are the benefits of Stockify’s Step-up SIP calculator:

• Realistic projections matching income growth for better goal planning.​

• Side-by-side comparison of step-up vs flat SIP to prove added value.​

• Flexible inputs for testing scenarios like 5-20% step-ups over 10-30 years.​

• Instant visuals on wealth acceleration through disciplined escalation.​