Step Up SIP Calculator with Inflation | Annual Increase SIP Planner

Plan your Step Up SIP strategy with inflation adjustment. Increase SIP by 5-10% annually to beat rising costs. See how annual increments multiply your wealth over flat SIP.

Fixed step-ups

Model a fixed annual increase using a percentage or fixed amount step-up.

Inflation-aware wealth goals

See how compounding and systematic step-ups widen the gap between invested amount and corpus.

Post-tax clarity

Preview LTCG impact and the estimated in-hand corpus after tax.

How to use this calculator

  1. 1Choose step-up mode: Fixed % annual increase or Fixed Amount growth
  2. 2Enter initial monthly SIP amount (e.g., ₹10,000)
  3. 3For fixed mode: Set annual step-up percentage (recommended: 5-10%)
  4. 4For fixed amount: Enter a ₹ increase you can add each year
  5. 5Set expected return rate and investment tenure
  6. 6Review projected corpus with year-by-year SIP amounts
  7. 7Compare with regular SIP to see wealth acceleration

Related calculators

SIP Calculator

Compare step-up results with a regular SIP baseline.

SWP Calculator

Plan withdrawals once your corpus is ready.

Frequently Asked Questions

What is a step-up SIP?

A step-up SIP allows you to increase your monthly SIP amount by a fixed percentage each year (typically 5-10%). This helps keep pace with income growth and inflation, significantly boosting long-term wealth accumulation.

How much should I increase my SIP annually?

A 5-10% annual increase is recommended. Start with a step-up you can sustain and adjust as your income grows.

How much difference does step-up make?

Significant. A ₹10,000 monthly SIP with 10% step-up for 15 years at 12% returns generates ₹50.3L vs ₹37.4L for fixed SIP—a 34% increase in final corpus with just 29% more investment.

Should everyone do step-up SIP?

Yes, if your income is expected to grow. Step-up SIPs are ideal for salaried professionals with regular increments. Start conservative (5% step-up) and increase as income allows.