Step-up SIP Calculator
See how increasing your SIP a little every year — in line with your income — can nearly double your final corpus.
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How the step-up SIP calculator works
Enter your starting monthly SIP, the percentage by which you'll raise it each year, an expected return, and your horizon. The calculator compounds each month and bumps the contribution up annually.
Why step-ups are so powerful
A plain SIP fights inflation with a fixed contribution. A step-up SIP lets your investing grow with your income, so you save more in your higher-earning years — and those larger contributions still get years of compounding. The result is often a corpus 50–90% larger than a flat SIP for only a gently rising outflow.
Frequently Asked Questions
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — usually in line with your salary growth. A small annual step-up dramatically increases your final corpus because the bigger contributions also compound for years.
How much should I step up each year?
A 10% annual step-up roughly matches typical salary increments and is a common choice. Even 5% makes a meaningful difference over long horizons. Pick a rate you can realistically sustain.
Step-up SIP vs a regular SIP — how big is the difference?
Large. A ₹10,000 SIP for 20 years at 12% grows to about ₹1 crore. The same SIP with a 10% annual step-up grows to roughly ₹1.9 crore — almost double — for only a gradually rising outflow.
How is the step-up applied in this calculator?
The monthly amount stays constant within each year and increases by your chosen percentage at the start of every subsequent year. Returns are compounded monthly throughout.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.