Step-Up SIP Calculator
See how increasing your SIP a little every year supercharges your corpus — future value, total invested and gains, live on one screen.
- Free — no sign-up
- Instant, on-screen results
- Built by our CA · CS team
- Rules cited on the page
Enter your figures — the result on the right updates as you type.
Year-by-year growth
| Year | Monthly SIP | Invested to date | Value at year-end |
|---|
Set up a goal-based step-up SIP with an advisor
We help you pick funds, automate the yearly top-up and stay on track to your goal.
Disclaimer: Mutual fund investments are subject to market risks. This calculator gives an indicative estimate assuming a constant annual return; actual returns are not guaranteed and will vary. Not investment advice.
Why a step-up SIP beats a flat SIP
A step-up (or top-up) SIP raises your monthly investment by a fixed percentage every year — usually in line with your salary hike. Because the extra money goes in early and compounds for years, even a modest 10% annual step-up can add a large chunk to your final corpus versus keeping the same SIP forever.
Step-up SIP vs flat SIP
Same starting SIP, same return and tenure — the only difference is whether you increase the SIP each year. Here is the classic ₹10,000 start at a 12% return over 10 years.
| Start SIP (year 1) | ₹10,000 |
| Final year SIP (year 10) | ₹23,579 |
| Total invested | ₹19,12,491 |
| Future value | ₹33,40,917 |
| Estimated gains | ₹14,28,426 |
| SIP every month | ₹10,000 |
| Final year SIP (year 10) | ₹10,000 |
| Total invested | ₹12,00,000 |
| Future value | ₹23,00,387 |
| Estimated gains | ₹11,00,387 |
Worked example
₹10,000 starting monthly SIP, stepped up 10% every year, at a 12% expected annual return (compounded monthly) for 10 years. Returns accrue each month, then the year's fixed monthly SIP is added.
Key terms explained
Step-up (top-up) SIP
A SIP where the monthly amount rises by a fixed percentage every year. A 10% step-up on ₹10,000 means ₹11,000/month in year 2, ₹12,100 in year 3, and so on.
Expected return
The assumed annual growth of your investments, compounded monthly here. Long-term equity funds are often modelled at 10–12%, but real returns swing year to year and are never guaranteed.
Total invested
The sum of every monthly instalment you actually pay across the tenure. With a step-up this keeps rising, so it is much higher than SIP × months of a flat plan.
Estimated gains
Future value minus total invested — the wealth created by compounding. The earlier and larger your contributions, the bigger this figure grows.
Questions people ask
Short answers on Step-Up SIP Calculator. Tap a question to open it.
01What is a step-up SIP?
A SIP whose instalment increases by a fixed percentage or amount every year, usually in line with your income. It lets you start small and still reach a large corpus.
02How much difference does a step-up make?
A great deal over long horizons. A 10% annual step-up on a modest starting instalment often produces a corpus 50% to 80% larger than a flat SIP over twenty years, because the increases themselves compound.
03What step-up percentage should I choose?
Match it to your expected salary growth — commonly 5% to 10% a year. Setting it higher than your income can grow makes the plan unsustainable, and stopping midway defeats the purpose.
04Can I set up an automatic step-up?
Most fund houses and platforms offer a top-up SIP mandate that raises the instalment automatically each year, so it does not depend on you remembering to increase it.
05Is a step-up SIP taxed differently?
No. Each instalment is a separate purchase with its own holding period and cost, exactly as in a regular SIP, and gains are taxed on the same basis.
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Disclaimer: This tool gives indicative results for general guidance only and is not professional advice. Please verify with a qualified CA before acting on the numbers.