Step-Up SIP Calculator
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.