How Step Up SIP Calculator Works (Formula)

A Step Up SIP Calculator calculates future value when:

• Monthly investment increases yearly
• Returns compound annually
• Investment runs for multiple years

Basic Inputs Required:

1. Monthly SIP amount
2. Expected annual return (%)
3. Investment duration (years)
4. Annual step-up percentage

Step Up SIP Formula Logic (Simple Explanation)

Each year:

1. Increase monthly SIP by step-up %
2. Calculate yearly investment
3. Apply expected annual return
4. Repeat for total years

It’s basically compounding + annual increment.

Step Up SIP Calculator – Plan Your Wealth the Smart Way

The Step Up SIP Calculator helps you calculate how much wealth you can create by increasing your SIP amount every year. Instead of investing a fixed amount monthly, a Step Up SIP allows you to increase your investment annually, which significantly boosts long-term returns.

If your salary increases every year, your investments should also increase. That is exactly what this Step Up SIP Calculator helps you plan.

Example Calculation Using Step Up SIP Calculator

Let’s assume:

• Monthly SIP: ₹15,000
• Annual Return: 12%
• Duration: 15 years
• Step-Up: 10% yearly

With normal SIP, your wealth may be around ₹75–80 lakh.

With Step Up SIP, your wealth can cross ₹1 crore.

That is the power of increasing your SIP amount gradually.

Check our Normal SIP Calculator