Step-up SIP Calculator
See how increasing your SIP every year can multiply your final corpus.
Visual breakdown
Detailed breakdown
Export & share
What is the Step-up SIP Calculator?
A step-up SIP calculator shows the effect of raising your SIP amount every year. Because your contributions grow with your income, the final corpus is usually much higher than with a flat SIP of the same starting amount.
How to use this calculator
- Enter your values in the input fields. Use the sliders where available for quick changes.
- Choose the options that fit your case - currency, number format and decimals can be changed in the Options bar.
- The result updates instantly as you type. Press Calculate to refresh.
- Review the summary, the chart and the detailed table (when shown).
- Use Export & share to download a snapshot image (PNG or JPG), copy the result, print, save a CSV, or copy a link that reopens your inputs.
Formula and method
s = annual step-up %. Each month grows at the monthly rate i = annual rate / 12.
Worked example
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Options you get
- Currency symbol and Indian or international digit grouping
- Decimal places control
- Instant results with charts and tables (where relevant)
- Snapshot image export (PNG / JPG), copy image, CSV, print and share link
- Light and dark themes - works on mobile, tablet and desktop
Frequently asked questions
How much step-up is reasonable?
Many investors choose 5% to 15% a year, roughly matching expected salary growth.
Does step-up change the risk?
The investment risk is the same, but you invest more money over time, so the amount exposed to market risk also grows.
Is this calculator free to use?
Yes. All MCSBiz calculators are free, work in your browser and need no sign-up.
Is my data stored or sent to a server?
No. Calculations run on your own device. Your inputs are not uploaded, and nothing is saved unless you choose to share a link or export an image.
Can I save or share my result?
Yes. Use "Download PNG" or "Download JPG" to export a snapshot image, copy the result, print it, download a CSV, or copy a link that reopens the calculator with your inputs.
Important note
Results are estimates based on the inputs and assumptions shown. Investments are subject to market risk and past performance does not guarantee future returns. This is not financial, tax or legal advice - please verify with official sources or a qualified professional.