Monthly SIP Amount
₹
Annual step up
%
SIP Period
years
Expected Return Rate (p.a)
%
Invested amount
₹ 47,81,227
Estimated returns
₹ 51,12,321
Total value
₹ 98,93,548
Unlike a regular SIP where you invest a fixed amount every month, a Step-Up SIP increases your investment annually—typically by a fixed percentage. This small adjustment can lead to massively higher returns over the long term.
The Step-Up SIP Calculator shows how increasing your SIP contribution each year can build significantly more wealth over time. It is perfect for investors who expect their income to grow and want their investments to grow with it.
Flat SIP: Invest ₹10,000/month for 20 years @ 12% returns = ₹99.9 Lakhs
Step-Up SIP (10% annually): Starts at ₹10,000/month → increases yearly = ₹1.63 Crores That’s ₹63 Lakhs more — just by scaling your SIP every year.
Who Is This For?
Definition
SIP amount increases by a fixed % annually
SIP amount increases by a fixed ₹ amount annually
Best For
Investors whose income grows in percentage terms (e.g., salary hikes)
Investors who prefer precise control over yearly increase
Example
₹10K/month growing 10% yearly becomes ₹81.4K/month in 20 yrs
₹10K/month with ₹1K yearly top-up becomes ₹29K/month in 20 yrs
Feature | Step-Up SIP | Top-Up SIP |
---|---|---|
Definition | SIP amount increases by a fixed % annually | SIP amount increases by a fixed ₹ amount annually |
Increase Type | Percentage-based (e.g., +10% every year) | Fixed rupee-based (e.g., +₹1,000 every year) |
Control | Proportional to your existing SIP | Fixed, predictable increase |
Best For | Investors whose income grows in percentage terms (e.g., salary hikes) | Investors who prefer precise control over yearly increase |
Growth Pattern | Accelerates faster over time | Steady, linear growth |
Flexibility | May need recalculation as base SIP grows | Easy to plan with flat additions |
Example | ₹10K/month growing 10% yearly becomes ₹81.4K/month in 20 yrs | ₹10K/month with ₹1K yearly top-up becomes ₹29K/month in 20 yrs |
Result Over 20 Years (Illustrative) | Higher corpus due to compounding on rising base | Slightly lower corpus compared to step-up |
Step-Up SIPs are a powerful tool for long-term investing, but like any strategy, they work best when planned thoughtfully. Here are a few things to be aware of:
A Step Up SIP lets you periodically increase your monthly investment—typically annually—either by a fixed percentage or amount. This contrasts with a regular SIP, where the contribution stays the same throughout the tenure.
Yes—most platforms allow you to modify or delete the step up feature at any point, giving you flexibility if your financial situation changes.
This approach is ideal for investors whose incomes are expected to rise over time—like salaried professionals—who want their contributions and wealth to grow in sync with earnings.
No. These calculators offer estimates, not guaranteed outcomes. They usually don’t adjust for inflation, and actual performance may differ due to market risks.