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.
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 12% return — projected corpus ₹1 crore. Now add a 10% annual step-up: monthly amount climbs from ₹10,000 in year 1 to ₹61,000 in year 20, total invested rises from ₹24 lakh to ₹68.7 lakh, but the projected corpus more than doubles to ₹2.3 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.