Step-Up SIP Calculator
See what your SIP grows to if you raise it every year as your salary grows, and how that compares with a flat SIP.
Future value
- Invested
- Gained
- Final-year SIP
- Extra vs flat SIP
Where the final value comes from
is returns, not money you put in
- Returns overtake what you put in
- Returns earned in the last 5 years
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Year-by-Year Breakdown
| Year | Monthly SIP | Total Invested | Portfolio Value | Gains |
|---|
Instalments are invested at the start of each month, and the annual return you enter is converted to the equivalent monthly rate, (1 + return)1/12 − 1, the same convention as our SIP calculator. The step-up applies at the start of each year. Pre-tax; results are indicative only.
What is a Step-Up SIP Calculator?
A Step-Up SIP (also called Top-Up SIP) calculator estimates the future value of a Systematic Investment Plan where you increase your monthly contribution by a fixed percentage every year. Unlike a regular SIP where you invest the same amount each month, a step-up SIP grows with your income, so you invest more as your salary rises without committing to a high amount from day one.
At a 12% return, a 10% annual step-up on a ₹10,000 SIP over 20 years roughly doubles the final corpus compared with a flat ₹10,000 throughout: about ₹1.86 crore vs ₹92 lakh. You also invest more, ₹68.7 lakh vs ₹24 lakh, so part of the gap is simply extra money going in. The rest comes from compounding on a contribution that keeps growing.
Worked example: ₹10,000 a month, stepped up 10% a year for 15 years
Illustrative: you start a ₹10,000 monthly SIP, raise it 10% every year, assume a 12% annual return and stay invested for 15 years. These are the calculator's default inputs, so the numbers above should match.
| Result | Value |
|---|---|
| Total invested | ₹38,12,698 |
| Wealth gained | ₹44,62,020 |
| Future value | ₹82,74,718 |
| Final-year monthly SIP | ₹37,975 |
| Extra vs a flat ₹10,000 SIP | +₹35,15,404 |
A flat ₹10,000 SIP puts in ₹18 lakh and ends at about ₹47.6 lakh. The step-up puts in about ₹20 lakh more and ends about ₹35 lakh ahead, roughly 1.74 times the flat corpus.
The question it answers is whether your budget can carry a SIP of about ₹38,000 a month by year 15. If your raises are smaller than 10%, set the step-up to match them. The figures are pre-tax and assume a steady 12%, which equity funds never deliver year to year.
How to Use This Step-Up SIP Calculator
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1
Enter your initial monthly SIP
Start with the amount you can comfortably invest today. If that is ₹5,000, start there; the yearly step-up raises it as your pay rises.
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2
Set your yearly step-up percentage
Match this to your expected annual salary increment. A 10% step-up is a common choice. If your salary also rises about 10% a year, it keeps your savings rate roughly constant.
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3
Enter expected return and tenure
A 10–12% assumption is common for diversified equity funds, but past returns vary a lot and are not guaranteed. Set tenure to your goal horizon. The gap over a flat SIP widens the longer you stay invested, so it is largest over 15–20 years.
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4
Compare with a flat SIP and review the table
The "Extra vs Flat SIP" card shows how much more corpus the step-up builds than a flat SIP of the same starting amount. The table shows how your monthly SIP, total invested, and portfolio value evolve each year.
Step-Up SIP vs Regular SIP
| Feature | Regular SIP | Step-Up SIP |
|---|---|---|
| Monthly Amount | Fixed throughout | Increases annually |
| ₹10,000/mo for 20 years at 12% | About ₹92 lakh (₹24 lakh invested) | About ₹1.86 crore with a 10% yearly step-up (₹68.7 lakh invested) |
| Flexibility | Easy to maintain | Requires annual discipline |
| Best for | People whose income stays flat | Salaried with annual increments |
