Step-up SIP calculator, grow your SIP as your income grows.
Model an SIP that increases every year, so your investment plan can keep pace with income growth.
Future value in 10 years
₹32.69 Lakhs₹32,68,898
₹32,68,898
- Invested
- ₹19.12 Lakhs₹19,12,491
- Est. returns
- +₹13.56 Lakhs₹13,56,408
Growth over time, year by year.
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Step-up SIP calculator: invest more as income grows
Invest more as income grows
A step-up SIP increases your SIP amount every year by a chosen percentage. It's a practical way to match rising income and stay ahead of inflation over long horizons without making your first SIP feel too heavy.
This calculator models monthly contributions with an annual step-up applied at the start of each year, then applies compounding on the growing balance.
Illustrative only. Projections use standard compound growth and assume each instalment is invested at the start of its period. Actual mutual fund returns vary with market conditions, and past performance does not guarantee future results. Mutual fund investments are subject to market risks; read all scheme related documents carefully before investing. The SIP is assumed to increase by the chosen percentage at the start of every year. Zomint's director, Shavir Bansal, is an AMFI-Registered Mutual Fund Distributor (ARN-321107).© 2026 Zomint Tech Pvt Ltd. All rights reserved.