How this step-up sip calculator works
Each monthly contribution is invested at the start of the month and earns the selected monthly return. After every 12 contributions, the SIP amount increases by the chosen step-up percentage.
Worked example
A monthly SIP starting at ₹20,000 with a 10% yearly step-up grows contributions over time. Compare the result with a flat SIP using the same return and duration assumptions.
Assumptions
- The SIP increases once after every 12 monthly contributions.
- Contributions occur at the start of each month.
- The selected annual return is divided equally across 12 months.
- Returns remain constant only for this illustration.
Limitations
- Mutual fund returns fluctuate and may be negative.
- Taxes, expense ratios, exit loads and missed investments are excluded.
- A rising SIP must remain affordable as contributions increase.
Frequently asked questions
What is a Step-Up SIP?
It is a SIP whose contribution increases periodically, commonly once each year.
How is the annual increase applied?
QuickCalcy increases the monthly contribution after each block of 12 payments.
Is Step-Up SIP better than a fixed SIP?
It can produce a larger projected corpus because more money is invested, but affordability and returns still matter.
Are returns guaranteed?
No. The selected rate is only a planning assumption.
Does the result include inflation?
No. Compare the result with an inflation-adjusted goal separately.
Does it include taxes and fund costs?
No. Those depend on the investment and investor.
Can I share the calculation?
Yes. Use the copy, WhatsApp, CSV or print actions.