Finance & Insurance
Step-Up SIP Goal Calculator
Compare regular and step-up monthly investments, estimate a goal contribution, and view hypothetical returns and inflation-adjusted value.
Your inputs
Results and analysis
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Explore Custom Software ↗How do you calculate a starting SIP for a target corpus?
Project the existing balance and monthly contributions using a stated return and step-up rate. Increase the starting contribution until the projected corpus meets the target.
Worked example
At a 0% return, ₹5,000 a month for one year adds ₹60,000. With a 10% step-up, the next year adds ₹66,000, giving ₹126,000 across two years before any starting balance.
How this tool works
The monthly rate is (1 + annual return) raised to 1/12, minus one. Contributions rise after every 12 deposits. Beginning-of-month deposits earn that month’s growth. End-of-month deposits earn growth starting the following month. A numerical search solves for the first monthly contribution.
What to check before using the result
Return rates are hypothetical. Consider downside scenarios, taxes, fees and volatility separately. The real-value figure divides the ending corpus by the accumulated inflation factor.
Investor.gov: compound interest
Reviewed by Deepak Softech · November 12, 2026
Frequently asked questions
Does a step-up guarantee a higher return rate?
No. It increases the amount contributed. The return assumption is held constant in the regular versus step-up comparison.
Can I enter a negative expected return?
Yes. The model converts a negative annual assumption to a negative monthly rate and applies it every month.
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