Step-up SIP Calculator

Grow your SIP every year alongside your income.

Ministry of Micro, Small & Medium Enterprises, Government of India emblem

MSME RegisteredGovernment of India

Ministry of Micro, Small and Medium Enterprises

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i-Wealth Management Session

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All types of investments

i-Wealth Account

Open your investment account with Nivesh — mutual funds, SIPs, bonds, NPS and more, all in one place.

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NPS Vatsalya & NPS for Gen Z

ICICI NPS

Certified genuine registration link for the National Pension System, including the new NPS Vatsalya and Gen Z funds.

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Loan against mutual funds & shares

i-LAS Account

Unlock liquidity without selling your portfolio — borrow against your mutual fund and share holdings via Volt Money.

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Invoice discounting

altGraaf

An assured, guaranteed-return debt asset class through invoice discounting — diversify beyond equity and traditional debt.

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Starting monthly SIP

₹

₹500₹5,00,000

Annual step-up

0 %25 %

Increase your SIP by this much every 12 months.

Expected return (p.a.)

1 %30 %

Time period

yrs

1 yrs40 yrs

Results

Step-up SIP value

₹86,83,849

₹36.38 L more than a flat SIP of the same start

Total value

₹86.84 L

Amount invested44%
Wealth gained56%

Amount invested: ₹38,12,698
Wealth gained: ₹48,71,152
Flat SIP would give: ₹50,45,760
Step-up advantage: ₹36,38,089

How this calculator works

A step-up (top-up) SIP increases your monthly instalment by a fixed percentage every 12 months, mirroring annual salary increments. Small yearly increases compound into a far larger corpus than a flat SIP of the same starting amount.

The calculator compounds monthly and applies your chosen step-up at the start of each new year of investing.

Results are estimates for planning, not guarantees or tax/investment advice. For a plan built around your goals, talk to our advisors — the consultation is free.

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