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Use our Step Up SIP Calculator to plan your SIP investments with step - up features. Find out how you can increase your SIP amount annually for better returns. A Step - Up SIP calculator is a tool designed to assist investors in projecting the future worth of their systematic investment plan ( SIP ). It helps investors determine the optimal annual increment to align with their SIP preferences and financial goals. A step - up SIP is one where you increase the monthly amount invested, say by 5% or 10%, every year. This way you make a lot more money vs. the normal fixed SIP . Calculate your returns with increased SIP amount using this online tool. Enter your monthly investment, growth percentage, expected return and tenure to see the future value and total investment.