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About this tool
See how raising your SIP a little every year grows your corpus — exact month-by-month math against a flat SIP.
The Step-Up SIP Calculator projects a systematic investment plan whose instalment rises by a fixed percentage every year, running the maths month by month — each contribution is added and then grown at the annual return divided by 12 — and comparing the result against the same starting SIP left flat. It also works backwards: give it a target corpus and it solves, by bisection, for the monthly amount you would need to start with at your chosen step-up rate. It is for salaried investors who get an annual increment and want to know what routing part of it into an existing SIP is actually worth.
Open Step-Up SIP Calculator on AltFTool — it loads instantly in your browser.
Enter your Monthly SIP, drag Annual step-up (10% by default), and set Expected return (% a year) and the Horizon slider up to 40 years.
Switch to the Goal seek tab and enter a Target corpus — it binary-searches the starting SIP over the same month-by-month simulation.
Compare the Step-up SIP card against Flat SIP (no step-up), scan the Year-wise breakdown table, then press Copy summary.
Every instalment is compounded individually, so the projection handles a contribution that changes each year instead of approximating it with a single annuity formula.
The same starting amount left unstepped is calculated in parallel, so the extra corpus attributable to the step-up is stated in rupees rather than implied.
Enter a target and it solves for the required starting SIP with and without a step-up, which is the number most people actually want when a goal has a fixed deadline.
Substantially more than the step-up percentage suggests. Starting at ₹10,000 a month for 15 years at a 12% assumed return, a flat SIP reaches about ₹50.5 lakh while a 10% annual step-up reaches about ₹86.8 lakh — roughly 72% more, because the later, larger instalments still get several years of compounding.
Match it to your expected annual salary increment so the higher instalment stays affordable — 10% is the common default, and this calculator uses it as the starting value. Remember the instalment compounds too: ₹10,000 stepped up 10% a year becomes about ₹37,975 a month by year 15.
Once a year, on the anniversary — the amount is held constant for all 12 months of a year and then multiplied by (1 + step-up) for the next. That matches how fund houses implement step-up mandates, and it is why the invested total grows faster than the number of months would suggest.
It is a commonly used long-run equity assumption, not a promise — actual returns vary year to year and can be negative over shorter periods. Try the projection at 10% and 14% to see how wide the range of outcomes is, and treat all of it as informational rather than as investment advice; a SEBI-registered adviser can assess your own situation.
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