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Accelerate your wealth creation with automatic annual increases. Enable AI Prediction Mode for real-time market analysis and probability-based projections powered by 500 Monte Carlo simulations.
AI Prediction Mode
Enable for market-adjusted range
Formula
FV = Σ Pᵢ × (((1+r)^(12×(n-i+1)) - 1) / r) × (1+r)
Future Value
₹86,83,849
At maturity
Wealth Gained
₹48,71,151
127.76% absolute return
Total Invested
₹38,12,698
15 years with 10% annual step-up
Starting SIP
₹10,000
Monthly investment
| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | +7% |
| 2 | ₹2,52,000 | ₹2,85,241 | +13% |
| 3 | ₹3,97,200 | ₹4,76,410 | +20% |
| 4 | ₹5,56,920 | ₹7,07,323 | +27% |
| 5 | ₹7,32,612 | ₹9,84,570 | +34% |
| 6 | ₹9,25,873 | ₹13,15,734 | +42% |
| 7 | ₹11,38,461 | ₹17,09,527 | +50% |
| 8 | ₹13,72,307 | ₹21,75,956 | +59% |
| 9 | ₹16,29,537 | ₹27,26,501 | +67% |
| 10 | ₹19,12,491 | ₹33,74,326 | +76% |
| 11 | ₹22,23,740 | ₹41,34,516 | +86% |
| 12 | ₹25,66,114 | ₹50,24,342 | +96% |
| 13 | ₹29,42,725 | ₹60,63,565 | +106% |
| 14 | ₹33,56,998 | ₹72,74,790 | +117% |
| 15 | ₹38,12,698 | ₹86,83,849 | +128% |
Our Step-Up SIP calculator uses the summation formula where each year's contribution compounds separately:
Need help understanding your results?
Connect with a verified Chartered Accountant for personalised advice.
Book Free ConsultationAs your career grows and your salary increases, your investments should too. A standard SIP is a great start, but a Step-Up SIP (or Top-Up SIP) is the ultimate wealth accelerator. By increasing your investment by just 5% or 10% every year, you can shave years off your financial goals.
A Step-Up SIP allows you to automatically increase your monthly Mutual Fund investment by a fixed percentage or amount every year.
Instead of being stuck with the same ₹5,000 monthly investment for 10 years, a Step-Up SIP automatically aligns your savings with your annual salary appraisals. It is the most effective way to combat inflation and reach your retirement or financial independence (FIRE) goals significantly faster than a flat SIP.
Perfect for exact, linear planning. You input your expected return (e.g. 12%) and your annual step-up rate (e.g. 10%). The calculator gives you a precise, mathematically guaranteed projection of your future corpus based on those static numbers.
Wealth building isn't a straight line. When toggled ON, our AI reads current financial news, geopolitical tensions, and market sentiment. It then runs 500 Monte Carlo simulations to show you a "probability range." It answers the real question: "If the market is highly volatile over the next 5 years, will my annual 10% step-up still be enough?"
A Step-Up SIP is essentially a series of new SIPs starting every year. The compounding magic happens because your increased contributions in the later years build upon a massive, already-compounding base.
With AI Prediction Mode ON, the variable 'r' is dynamically adjusted across different simulated market cycles from 500 Monte Carlo iterations.
Rohan (28), software engineer with 10% annual raises
Total Corpus: ₹86,83,849
Without Step-Up: ₹50.4 Lakhs. The Step-Up made an extra ₹36 Lakhs!
Neha (28) wants to build massive corpus for early retirement
Total Corpus: ₹2,10,24,560 (₹2.1 Crores)
Invested ₹61.5L — wealth gain of ₹1.49 Crores through compounding
Rahul (35), worried about tech sector recession
Range: ₹45L – ₹58L (Most Likely: ₹52L)
AI warns about market corrections — suggests 8% Step-Up for goal safety
Every individual monthly installment in a Step-Up SIP is treated as a separate investment for tax purposes (First-In, First-Out rule).
Finucity connects you with verified Chartered Accountants who can transform these projections into a personalised, tax-efficient Step-Up SIP strategy tailored to your goals.