Is this a SIP calculator?

No. The generic SIP head is crowded. This page only models a monthly amount that steps up once a year.

How is return applied?

Monthly compounding at annualReturn/12 after each contribution. Markets do not return a constant 12%.

After every 12 contributions the monthly amount grows by the step-up percent.

Use the XIRR tool if you have dated cash flows instead of a smooth SIP.

Runs in your browser · Last updated 4 September 2026

Step-up SIP Calculator

Free step-up SIP calculator. Growing monthly SIP with an annual step-up percent — not a generic SIP tool. Browser tool — nothing is uploaded.

Starting SIP (₹ / month)YearsExpected return % / yearAnnual step-up %

Invested

₹38,12,698

Future value

₹86,83,849

Gain

₹48,71,152

Last monthly SIP

₹37,975

Step-up applies once a year. This is not a lumpsum or generic SIP calculator — only the growing monthly series.

How to use this tool

Enter the first monthly SIP, years, expected return, and annual step-up.
Read invested, future value, and the last monthly amount.

Worked example

₹10,000 a month for two years, 0% return, 10% step-up: year one is ₹1,20,000 and year two is ₹1,32,000. A 12% return on a flat SIP finishes above the sum of deposits.

Frequently asked questions

Is this a SIP calculator?: No. The generic SIP head is crowded. This page only models a monthly amount that steps up once a year.
Uploaded?: No.
How is return applied?: Monthly compounding at annualReturn/12 after each contribution. Markets do not return a constant 12%.
Step-up timing?: After every 12 contributions the monthly amount grows by the step-up percent.
XIRR?: Use the XIRR tool if you have dated cash flows instead of a smooth SIP.