Investing & Savings

Step-Up SIP Calculator

Increase your SIP as your salary grows. A yearly step-up of even 10% can dramatically increase your final wealth. Compare against a flat SIP.

How to use the Step-Up SIP Calculator

Fill in the fields on the left. Results, charts and the breakdown update instantly as you type or move a slider. Pick your country at the top of the page to switch currency.

Formula

Each year the monthly amount rises by the step-up %; every instalment compounds monthly until the end.

Frequently asked questions

How much should I step up?

Matching your expected salary increase (5–15%) is a good rule of thumb.

Results are estimates for information only and are not financial, tax or legal advice. Tax rules, interest rates and fees change, so confirm important numbers with your bank, employer or a qualified adviser. Read our disclaimer.