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Step Up SIP Calculator

Monthly Amount Invested
Annual step up
Expected Return(p.a) %
Investment Period

Invested amount  :      

Est. returns  :

Total Value  :

What is a Step Up SIP Calculator?

The Step-Up SIP (Systematic Investment Plan) calculator is a tool used by investors to plan and calculate their SIP investments with incremental contributions over time. It is particularly useful for individuals who want to increase their SIP amount periodically to align with their increasing income or investment capacity. Here's a breakdown of the theory and functionality of a Step-Up SIP Calculator:

How the Step-Up SIP Calculator Works:

  1. Initial SIP Amount: This is the starting SIP amount that you initially invest. It could be the amount you are comfortable with at the beginning.

  2. Increase Percentage: This is the percentage by which you want to increase your SIP amount at each interval. For example, if you choose a 10% increase, your SIP amount will increase by 10% at each step.

  3. Frequency: This refers to how often you want to increase your SIP amount. It could be monthly, quarterly, bi-annually, or annually.

  4. Investment Tenure: The total duration for which you plan to invest through SIPs.

Benefits of Step-Up SIP Calculator:

  1. Adaptability: It allows investors to align their SIP contributions with their changing financial circumstances. As income grows, so can the investment amount.

  2. Rupee Cost Averaging: By gradually increasing investments over time, investors benefit from rupee-cost averaging. This means they buy more units when prices are low and fewer units when prices are high.

  3. Financial Discipline: The calculator helps in planning and sticking to a disciplined investment approach, promoting regular savings.

Understanding Step-Up SIP

In a traditional SIP, an investor contributes a fixed amount at regular intervals. However, with a Step-Up SIP, the investor has the flexibility to increase their SIP amount at pre-defined intervals. This allows investors to take advantage of their increasing income or savings capacity over time.

Example Scenario:

Let's consider an example to illustrate the concept:

  • Initial SIP Amount: ₹5,000

  • Increase Percentage: 10%

  • Frequency: Yearly

  • Investment Tenure: 10 years

With these inputs, the Step-Up SIP Calculator will calculate the SIP amount for each year based on a 10% increase from the previous year. The calculator will show how the SIP amount grows over time.


  1. Input Details: Enter the initial SIP amount, increase percentage, frequency, and investment tenure into the Step-Up SIP Calculator.

  2. View Results: The calculator will generate a schedule showing the SIP amount for each period based on the provided inputs. This helps investors understand how their contributions will grow over time.

  3. Adjust as Needed: Investors can adjust the inputs to see how different increase percentages or frequencies impact their SIP contributions.


The Step-Up SIP Calculator is a valuable tool for investors who want to gradually increase their SIP contributions over time. It provides a structured approach to planning investments, taking advantage of increasing income and promoting financial discipline. By using this calculator, investors can visualize how their contributions will grow and make informed decisions about their investment plans.

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