Step-Up SIP Calculator
Plan investments that grow as your salary grows, and see both the future value and what it will buy today.
Step-Up SIP Calculator: quick answer
Quick answer: Starting at $1,000/month and raising it 10% every year for 25 years at an 8% annual return, your SIP grows to $2,576,201 on paper. After 3% inflation in a typical global scenario, that's really worth $1,230,408 in today's money, about 52% less than the headline. Stepping up beats a flat SIP because each raise compounds for longer. Adjust the inputs below for your own plan. See methodology →
Default inflation rate for Other: 3.0% per year, based on long-run global CPI averages data (2026). You can override it in each calculator’s advanced options. See data sources for full citations.
How We Work It Out
A Step-Up SIP adds up your contributions month by month, raising the monthly payment every 12 months:
Real-World Examples
10% step-up vs a flat SIP
A $1,000 monthly SIP at 10% return over 20 years grows to $765,654. Stepping it up by 10% each year lifts the final total to $1,595,296.
Frequently Asked Questions (FAQ)
Related Planning Tools
See what your monthly SIP could grow to, and what it will actually buy after inflation.
See what your SIP savings will actually buy. Most calculators stop at the headline number. This one shows the future value, today's value after inflation, the money lost to inflation, and inflation defaults for your country, so you can plan honestly.
See how much to save each month or as a lumpsum to reach your goal, with inflation built in.