Step-Up SIP Calculator
A Step-Up SIP increases your monthly investment by a fixed percentage every year — usually in line with your salary growth. This calculator shows how much faster your corpus builds when you add even a 10% bump annually, compared with a flat SIP. The single biggest free lever a salaried investor has after starting their SIP.
Adjust Parameters
₹19,06,349
Total Invested
₹24,35,576
Est. Returns
₹43,41,925
Total Value
Step-Up Advantage: ₹18,19,045 extra wealth
By stepping up 10% annually, you invest ₹10,06,349 more but earn ₹18,19,045 extra — a 81% multiplier on the additional investment. Regular SIP would have given ₹25,22,880.
Step-Up SIP vs Regular SIP
SIP Amount Progression
| Year | Monthly SIP | Cumulative Invested | Portfolio Value |
|---|---|---|---|
| Year 1 | ₹5,000 | ₹60,000 | ₹64,047 |
| Year 2 | ₹5,500 | ₹1,26,000 | ₹1,42,621 |
| Year 3 | ₹6,050 | ₹1,98,600 | ₹2,38,205 |
| Year 4 | ₹6,655 | ₹2,78,460 | ₹3,53,661 |
| Year 5 | ₹7,321 | ₹3,66,306 | ₹4,92,285 |
| Year 6 | ₹8,053 | ₹4,62,937 | ₹6,57,867 |
| Year 7 | ₹8,858 | ₹5,69,230 | ₹8,54,764 |
| Year 8 | ₹9,744 | ₹6,86,153 | ₹10,87,978 |
| Year 9 | ₹10,718 | ₹8,14,769 | ₹13,63,250 |
| Year 10 | ₹11,790 | ₹9,56,245 | ₹16,87,163 |
| Year 11 | ₹12,969 | ₹11,11,870 | ₹20,67,258 |
| Year 12 | ₹14,266 | ₹12,83,057 | ₹25,12,171 |
| Year 13 | ₹15,692 | ₹14,71,363 | ₹30,31,783 |
| Year 14 | ₹17,261 | ₹16,78,499 | ₹36,37,395 |
| Year 15 | ₹18,987 | ₹19,06,349 | ₹43,41,925 |
Returns shown are estimated. Actual returns may vary. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Need Guidance?
Our experts will help you set the right step-up strategy for your goals.
Why Step-Up SIPs Work
- → Your income grows every year — your SIP should too
- → 10% annual step-up typically offsets inflation
- → Compounding works harder on larger amounts
- → Small increments early have the biggest impact
- → Most AMCs support auto step-up via MFU
How a Step-Up SIP calculator works
In the first year, you invest the starting amount — just like a regular SIP. Every year after that, your investment goes up by the step-up percentage. Compounding then works on a larger base each year, which is why the gap between a flat SIP and a step-up SIP gets more dramatic the longer you go. The formula uses (1 + step-up%) to scale the monthly amount each year.
Worked example
Start with a ₹10,000 monthly SIP for 20 years at an assumed 12% return — total invested ₹24.00 lakh, projected corpus ₹99.91 lakh. Now add a 10% annual step-up: the monthly amount climbs from ₹10,000 in year 1 to ₹61,159 in year 20, total invested rises to ₹68.73 lakh, and the projected corpus nearly doubles to ₹1.99 crore. The compounding now works on a much larger principal each year — that's the leverage.
When to use this versus our other tools
Use Step-Up SIP if you're salaried and confident about steady annual increments. If your income is lumpy (freelance, business), the basic SIP Calculator is more honest — model the SIP at your average sustainable amount. To see what a Step-Up SIP actually returned in a specific fund, use the Real Step-Up SIP backtest.
Frequently Asked Questions
What step-up % should I use?▾
10% is the common default and roughly tracks Indian salary growth. 5% is conservative; 15% is aggressive but realistic for high-growth career years.
Do fund houses support automatic step-up?▾
Most do — under names like SIP-Plus, Top-Up SIP, or Step-Up SIP. Set it once and forget.
Should I instead start with a higher fixed SIP?▾
A higher fixed SIP wins on absolute corpus but risks burning out. Step-Up matches your growing income — sustainable beats heroic.
Can I change the step-up percentage later?▾
Yes — pause the existing SIP, register a new one with a different rate, or use the AMC's modify-mandate flow.
Is the step-up taxed differently?▾
No — it's the same SIP for tax purposes, just larger amounts in later years.
What if my income drops?▾
Pause or reduce the SIP. The step-up is a default, not a contract.