Step-Up SIP Calculator
See how increasing your SIP annually creates significantly more wealth
Configure Step-Up SIP
Your monthly SIP grows by 10% each year (compounding increase).
Continue compounding after SIP stops
Optional Add-Ons
Layer extra investments or withdrawals on top of your Step-Up SIP — for real-life events like bonuses, mid-life lump sums, retirement income.
No add-ons yet — your plan is a pure Step-Up SIP.
Results
Step-Up vs Regular SIP Growth
How annual increases compound your portfolio
Side-by-Side Comparison
Regular SIP vs Step-Up SIP metrics
Year-by-Year Breakdown
Monthly SIP amount increases each year
| Year | Monthly SIP | Total Invested | Step-Up Value | Regular Value | Extra Gains |
|---|---|---|---|---|---|
| Year 1 | ₹10,000 | ₹1.20 L | ₹1.28 L | ₹1.28 L | +₹0 |
| Year 2 | ₹11,000 | ₹2.52 L | ₹2.85 L | ₹2.72 L | +₹12,809 |
| Year 3 | ₹12,100 | ₹3.97 L | ₹4.76 L | ₹4.35 L | +₹41,334 |
| Year 4 | ₹13,310 | ₹5.57 L | ₹7.07 L | ₹6.18 L | +₹88,975 |
| Year 5 | ₹14,641 | ₹7.33 L | ₹9.85 L | ₹8.25 L | +₹1.60 L |
| Year 6 | ₹16,105 | ₹9.26 L | ₹13.16 L | ₹10.58 L | +₹2.58 L |
| Year 7 | ₹17,716 | ₹11.38 L | ₹17.10 L | ₹13.20 L | +₹3.90 L |
| Year 8 | ₹19,487 | ₹13.72 L | ₹21.76 L | ₹16.15 L | +₹5.61 L |
| Year 9 | ₹21,436 | ₹16.30 L | ₹27.27 L | ₹19.48 L | +₹7.78 L |
| Year 10 | ₹23,579 | ₹19.12 L | ₹33.74 L | ₹23.23 L | +₹10.51 L |
| Year 11 | ₹25,937 | ₹22.24 L | ₹41.35 L | ₹27.46 L | +₹13.88 L |
| Year 12 | ₹28,531 | ₹25.66 L | ₹50.24 L | ₹32.23 L | +₹18.02 L |
| Year 13 | ₹31,384 | ₹29.43 L | ₹60.64 L | ₹37.59 L | +₹23.04 L |
| Year 14 | ₹34,523 | ₹33.57 L | ₹72.75 L | ₹43.64 L | +₹29.11 L |
| Year 15 | ₹37,975 | ₹38.13 L | ₹86.84 L | ₹50.46 L | +₹36.38 L |
| Year 16 | ₹41,772 | ₹43.14 L | ₹1.03 Cr | ₹58.14 L | +₹45.06 L |
| Year 17 | ₹45,950 | ₹48.65 L | ₹1.22 Cr | ₹66.79 L | +₹55.38 L |
| Year 18 | ₹50,545 | ₹54.72 L | ₹1.44 Cr | ₹76.54 L | +₹67.60 L |
| Year 19 | ₹55,599 | ₹61.39 L | ₹1.70 Cr | ₹87.53 L | +₹82.02 L |
| Year 20 | ₹61,159 | ₹68.73 L | ₹1.99 Cr | ₹99.91 L | +₹98.97 L |
Calculator results are for illustration purposes only. Actual returns may vary based on market conditions, fund performance, and other factors. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not guarantee future returns.
Why raising your SIP a little each year changes the outcome so much
A regular SIP keeps the same instalment for years. A step-up (or top-up) SIP raises it by a set percentage each year — usually in step with your rising income. It sounds like a small tweak, but because each increase compounds for the remaining years, a modest annual step-up can dramatically raise the final corpus compared with a flat SIP of the same starting amount.
This calculator projects a step-up SIP for your starting instalment, annual increase and horizon, and compares it with a flat SIP so you can see the gap. It also keeps your contributions rising roughly with inflation and salary growth, so your investing does not quietly shrink in real terms over a 15–20 year plan.
How this calculator works
- 1Enter your starting monthly SIP, the annual step-up percentage, expected return and tenure.
- 2The calculator grows the instalment each year and compounds the whole stream.
- 3It shows the projected corpus and the difference versus a flat SIP that never increases.
Frequently asked questions
What is a step-up SIP?
A step-up SIP automatically increases your monthly investment by a chosen percentage each year — for example, raising a ₹10,000 SIP by 10% annually. It lets your investing grow with your income instead of staying frozen at the amount you could afford when you started.
How much should I step up each year?
A common approach is to match your expected annual salary increase — often in the 5–10% range. Even a 10% step-up can add substantially to the final corpus versus a flat SIP, because each year’s increase compounds for all the remaining years. Choose a rate you can sustain without straining your budget.
Does a step-up SIP really make a big difference?
Over long horizons, yes. Because the extra amounts are invested earlier rather than later, they compound for longer. Use this calculator to compare a flat SIP with a stepped-up one for your own numbers — the gap over 15–20 years is usually larger than people expect.
Illustrative only. Mutual fund investments are subject to market risks; past performance does not guarantee future returns.
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