What is a Step-Up (Top-Up) SIP calculator?

It estimates future value when you increase your SIP by a fixed percentage each year. Popular step-up rates in India are 5%–15% annually.

How do I choose the right step-up percentage?

Match step-up to expected income growth and inflation. Many investors start with 10% yearly and review affordability annually.

Step-Up SIP accelerates contributions over time, potentially building a larger corpus and higher real returns versus a flat SIP.

Yes. Apply CPI to convert nominal corpus to purchasing-power terms and check if goals like education or retirement are on track.

You can set specific years with 0% increase. The calculator recalculates corpus based on the updated contribution path.

Monthly Investment

Expected Return (P.A)

Annual Step Up (%)

Investment Period (Years)

Total Investment

Total Returns

Maturity Amount

Last SIP Amount