Step Up SIP Calculator
Starting Monthly SIP
Annual Step Up (%)
Expected Return Rate (p.a)
Time Period (years)
Step Up SIP Summary
Total Invested Amount
₹ 38,12,698
Estimated Returns
₹ 44,62,020
Maturity Value
₹ 82,74,718
How Step Up SIP Is Calculated
The calculator increases SIP contribution every year and compounds each monthly installment till maturity.
FV = Sum of each monthly SIP contribution compounded to tenure end
Monthly SIP grows each year by selected step-up percentage
Compounding uses effective monthly return derived from annual rate
Final value is sum of future values of all installments
Related Calculators
Disclaimer
This calculator provides indicative results based on your inputs and assumed rates.
Actual returns, tax liabilities, and outcomes can vary due to market movement, product terms, and regulatory changes.
Please consult a qualified financial advisor or tax professional before making financial decisions.
Frequently asked questions
1. What is a Step Up SIP?
Step Up SIP increases your monthly SIP by a fixed percentage every year to align investments with growing income.
2. How is Step Up SIP return calculated?
Each monthly contribution is projected with compounding till the end of tenure, while the SIP amount is increased yearly by the selected step-up rate.
3. Why use Step Up SIP instead of fixed SIP?
It can potentially create a larger corpus without a large starting commitment by gradually increasing contributions.
4. Is annual step-up mandatory in real investments?
No. It is optional and depends on fund house options and your investment plan.
5. Does this calculator include taxes and inflation?
No. It provides nominal projection and excludes tax impact and inflation adjustment.
Turn market moves into money moves
Already a User? Login to Orca
Upcoming Webinars
View All
No webinars available
