Step-Up SIP Calculator
Increase your SIP every year and watch wealth grow faster.
Amount you will invest in the first year (Rs)
Percentage increase in your SIP every year (%)
Expected yearly return rate (%)
Number of years you will stay invested
Your Step-Up SIP Returns
Maturity Value
₹16.87 L
Total Invested
₹9.56 L
Returns Earned
₹7.31 L
Monthly SIP in Final Year
₹11.79 K
Wealth Growth Over Time
How the Step-Up SIP Calculator Works
A Step-Up (or 'top-up') SIP increases your monthly investment by a fixed percentage every year, instead of keeping it flat for the whole tenure -- the idea being that your investing capacity should grow roughly in line with your salary. Even a modest 10% annual step-up compounds meaningfully over a decade or two, since later years combine both a larger contribution and more time left for that contribution to grow.
Unlike a regular SIP, there's no single closed-form formula for a step-up SIP -- the monthly contribution changes every year, so this calculator simulates it month by month: each of the 12 months in a year invests the current monthly amount (compounding at your expected return), then the monthly amount itself increases by your step-up percentage before the next year begins. Setting the step-up rate to 0% makes this behave identically to a regular SIP.
Worked example (the calculator's own defaults)
Starting at ₹5,000/month, stepping up 10% every year, for 10 years at an assumed 12% annual return, grows to approximately ₹16,87,163 -- against roughly ₹9,56,245 actually invested (more than the ₹6,00,000 a flat ₹5,000/month SIP would invest over the same period, since your contribution keeps rising).
Frequently asked questions
How is this different from just investing more money in a regular SIP?
The end result can be similar to a larger flat SIP, but a step-up SIP is easier to actually stick to -- you start at an amount that fits your current budget and let it rise automatically as your income (hopefully) does, rather than committing to a large amount from day one.
What step-up percentage should I use?
A common rule of thumb is to match your expected annual salary increment, often 5-15% depending on your career stage. There's no universally 'right' number -- pick something you're confident you can sustain even in a flat year.
Do most mutual fund platforms support automatic step-up?
Yes -- most AMCs and investment platforms in India offer a 'SIP top-up' or 'step-up SIP' feature that automatically increases your SIP amount on a schedule you set, so you don't have to manually update it each year.