Step-Up SIP Calculator
See how increasing your SIP amount annually accelerates wealth creation over time. A step-up SIP lets you raise your monthly investment by a fixed percentage each year, aligning your investments with salary increments.
Educational Purpose Only: Results are illustrative estimates and not financial advice.
What is a Step-Up SIP?
A Step-Up SIP (also called a Top-Up SIP) is a variation of the regular SIP where you increase your monthly investment amount by a fixed percentage every year. For example, if you start with ₹5,000 per month and choose a 10% annual step-up, your investment becomes ₹5,500 in year 2, ₹6,050 in year 3, and so on.
This strategy is highly effective because it mirrors your income growth — as your salary increases each year, you invest more. The result is a dramatically larger final corpus compared to a flat SIP, because both the increasing principal and compounding returns work together over time.
How the calculation works
This calculator simulates month-by-month investment. Your initial monthly amount is used for the first 12 months, then stepped up by the chosen percentage at the start of each subsequent year. Each month, the contributed amount is added to the accumulated corpus, and the entire corpus earns the monthly equivalent of the annual return rate. This month-by-month simulation gives the most accurate result for step-up SIPs.
This calculator is for educational and illustrative purposes only. Mutual fund investments are subject to market risks. Past performance does not guarantee future returns.