Step-Up SIP Calculator
Key takeaways
- Deposits total ₹19.12 L over 10 years and grow to ₹33.74 L — ₹14.62 L of that is growth.
- The monthly amount rises 10% a year: ₹10,000 in year 1 becomes ₹23,579 by year 10.
- Without the yearly step-up (a flat ₹10,000 throughout), the corpus would be ₹23.23 L — ₹10.51 L less.
Yearly schedule
| Year | Invested | Growth | SIP / mo | Value |
|---|---|---|---|---|
| 1 | ₹1.20 L | ₹8,093 | ₹10,000 | ₹1.28 L |
| 2 | ₹1.32 L | ₹25,148 | ₹11,000 | ₹2.85 L |
| 3 | ₹1.45 L | ₹45,969 | ₹12,100 | ₹4.76 L |
| 4 | ₹1.60 L | ₹71,193 | ₹13,310 | ₹7.07 L |
| 5 | ₹1.76 L | ₹1.02 L | ₹14,641 | ₹9.85 L |
| 6 | ₹1.93 L | ₹1.38 L | ₹16,105 | ₹13.16 L |
About the Step-Up SIP Calculator
A step-up (or top-up) SIP is a regular monthly investment whose amount increases by a set percentage every year — usually to keep pace with your rising income. Stepping up even a little each year can grow your final corpus far more than a flat SIP.
This calculator raises your monthly instalment by the step-up percentage each year and compounds the contributions to the end of the term, showing the maturity value and the total you invested.
Frequently asked questions
What is a step-up SIP?
A SIP where the monthly amount rises by a fixed percentage each year — say 10% — so your investment grows with your income instead of staying flat for the whole term.
How much more does a step-up SIP grow versus a regular SIP?
Considerably more, because you invest larger amounts in the later years while they still have time to compound. Even a 10% annual step-up can lift the final corpus well above a flat SIP at the same starting amount.
Is the step-up percentage applied to the original or the latest amount?
To the latest amount — it compounds. A 10% step-up on ₹10,000 makes it ₹11,000 next year, then ₹12,100, each year building on the previous instalment.
Can I set up a step-up SIP automatically?
Most fund houses and platforms offer a top-up option when you start a SIP, letting you fix an annual increase by percentage or amount so you do not have to adjust it manually each year.
Is the step-up SIP return guaranteed?
No. Like any mutual-fund SIP, the return is market-linked and varies; the rate you enter is a planning assumption. The step-up only changes how much you invest, not the certainty of the return.
Disclaimer: This calculator is for information and education only. It is not investment advice and not a recommendation to buy, sell or hold any investment. Where a rate of return, inflation or growth is an input, it is an assumption: actual returns vary and are not guaranteed, and past performance may or may not be sustained in future. It does not take your personal circumstances into account. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Every figure is computed solely by applying the formula and assumptions stated on this page to the inputs you entered.