Step-Up SIP Calculator
Increase your SIP every year and see the difference.
Illustrative only — assumes a constant return and steady contributions. Actual mutual-fund returns vary and are not guaranteed. Not investment advice.
About the Step-Up SIP Calculator
A Step-Up SIP (also called a Top-Up SIP) calculator shows how increasing your monthly investment by a fixed percentage every year — as your income grows — boosts your final corpus versus a flat SIP. Enter your starting amount, annual step-up, tenure and expected return.
How it’s calculated
The calculator keeps your instalment constant for 12 months, then raises it by your chosen step-up percentage each year. Every year’s higher instalments compound for the remaining period, so a small annual increase can add up to a substantially larger corpus over time.
Corpus = Σ (yearly SIP block, each stepped up by g%, compounded for its remaining months)g = annual step-up rate; each year the monthly amount becomes previous × (1 + g). Each year’s instalments are future-valued at the monthly return for the months they remain invested, then summed.
Frequently Asked Questions
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a set percentage every year. It lets your investing keep pace with rising income, and the extra contributions compound to a much larger corpus than a flat SIP.
Does a step-up SIP really make a big difference?
Yes — even a 10% annual step-up can grow your final corpus by a large margin over 10–20 years, because each year’s higher instalments still get years to compound. Compare it against a flat SIP in the calculator.
What step-up percentage should I choose?
A common choice is to match your expected annual salary hike — often 5–10%. The calculator lets you test different step-up rates to see the impact on your final corpus.