AMFI Registered MFD · ARN-130934 · Mutual fund investments are subject to market risks. CA Amit Kumar Jain · +91 93522 44475 Poornima Jain · +91 92525 44475 support@plenitude.co.in

Step-up SIP calculator: grow your SIP as your income grows.

A step-up SIP raises your monthly amount every year, for example by 10% when you get a raise. Small yearly increases can make a large difference over time.

₹
₹500₹2L
%
0%30%
%
4%20%
yrs
1 yr40 yrs
Invested—
Flat SIP would give—
Step-up SIP value—
Step-up SIP valueInvested

For illustration only, at the rates you enter. Actual results will differ.

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How it is calculated

Each month the SIP is invested and grows at the monthly rate (yearly return ÷ 12). At the start of every new year the monthly amount is raised by the step-up percentage. The flat-SIP figure keeps the starting amount unchanged, for comparison.

Example: ₹10,000 a month rising 10% a year for 15 years at an assumed 12% grows to about ₹87 lakh (₹38 lakh invested), against about ₹50 lakh for a flat ₹10,000 SIP.

Common questions

How much should I step up?
Many people match it to their expected salary increase, often 5–10% a year. Even a 5% step-up adds a lot over 15–20 years.
Can I set a step-up with the fund house?
Yes, most fund houses offer a top-up option when you register the SIP. You can also increase it manually any time.
Are these returns guaranteed?
No. Mutual fund returns depend on markets; figures here are illustrations at the rate you enter.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns shown are illustrations at an assumed rate and are not guaranteed. Plenitude Connect is an AMFI-registered Mutual Fund Distributor (ARN-130934); these tools are for education and are not investment advice.
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