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Step-up SIP Calculator

A SIP that rises every year with your income.

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A SIP that rises every year with your income.

Starting monthly investment (₹)Annual step-up (%)Expected return (% p.a.)Duration (years)

Maturity value: ₹1.74 crore
Total invested: ₹76.25 lakh
Estimated gains: ₹97.42 lakh
Extra vs a flat SIP: ₹72.76 lakh

Invested78%

Gains100%

How is this calculated?

Formula: Each instalment compounds monthly, and the instalment itself increases by the step-up percentage every twelve months.

Your entries are user inputs; rates and returns you cannot control are assumptions. Results are illustrative, not a statutory computation.

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How this calculator works

Each instalment compounds monthly, and the instalment itself increases by the step-up percentage every twelve months.

Statutory limits used here reflect FY 2025-26 (AY 2026-27). Results are illustrative and do not constitute tax, legal or investment advice. Speak to a Bluman Chartered Accountant before acting on them.

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