A Step-up SIP, also known as a Top-up SIP, is an enhanced version of a regular Systematic Investment Plan (SIP). This investment strategy involves increasing your periodic investment amount by a fixed percentage at regular intervals, usually annually. This approach is highly recommended by financial planners because it aligns your investment contributions with your growing income, allowing you to save more aggressively over time and reach your financial goals faster. This Step-up SIP Calculator demonstrates the powerful impact of this strategy on your long-term wealth creation. To use the calculator, you need to provide four inputs. First, enter your 'Initial Monthly Investment' amount. This is the SIP amount you will start with in the first year. Second, provide the 'Annual Step-up' percentage. This is the percentage by which you will increase your monthly SIP amount every year (e.g., 10%). Third, enter the 'Expected Return Rate' as an annual percentage that you anticipate your investments will generate. Finally, specify the 'Investment Period' in years. After clicking 'Calculate', the tool will project the 'Future Value' of your investment. The results will be broken down to show the 'Total Invested' amount over the entire period and the 'Estimated Gains' generated through compounding. You will often see that a step-up SIP can lead to a significantly larger corpus compared to a flat SIP with the same initial investment.