Step-Up SIP Calculator

Maximize compounding by stepping up your monthly SIP contributions annually. Model compound interest, target inflation rates, and capital gains tax on mutual funds.

Parameters
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Calculated Results
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Real Corpus (Today's Purchasing Power) - -
Compounding
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Taxation
Visual Projection
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Real Value
Yearly Breakdowns
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Why Step-Up SIP Accelerates Wealth Creation

By increasing your monthly SIP amount in proportion to your salary hikes (e.g. 10% step-up each year), your final corpus grows exponentially larger than a standard flat SIP.

Formula & Mathematical Approach

Step-Up SIP simulates the growth of an investment where the monthly deposit increases by a fixed percentage annually.

Monthly SIP in Year y=Initial Monthly SIP×(1+Step-up %100)y−1\text{Monthly SIP in Year } y = \text{Initial Monthly SIP} \times \left(1 + \frac{\text{Step-up \%}}{100}\right)^{y - 1}
Future Value=Sum of monthly compounded contributions over all years\text{Future Value} = \text{Sum of monthly compounded contributions over all years}
Show Plain Text / Excel Formula 
Investment (Year y) = Monthly SIP * (1 + Step-up % / 100) ^ (y - 1)
Future Value = Compounded monthly using the annual step-up increment.

Key Assumptions

  • The step-up increment is applied exactly once at the beginning of each new year.
  • Compounding is calculated monthly using the equivalent CAGR rate.
  • Rate of return remains constant over the duration.
  • All contributions are made at the beginning of each month.
  • Tax rules are estimated based on regulations last reviewed in June 2026.