Step Up SIP Calculator

Monthly SIP Amount

Annual step up

%

SIP Period

years

Expected Return Rate (p.a)

%

Loading chart...

Investment

Est Returns

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.

  • Smarter Projections Know exactly how much your investment could grow when you step up your SIP annually.
  • Realistic Planning Match your SIP growth to expected salary hikes or financial goals like buying a house or a car.
  • Simple & Fast Enter a few numbers. See instant results. No spreadsheets. No guesswork.
  • Side-by-Side Comparison See how a flat SIP compares to a Step-Up SIP over the same period.
  1. Enter your current monthly SIP amount
  2. Add your expected yearly increase (%)
  3. Choose your investment duration and expected return rate
  4. Instantly see your projected wealth — with and without step-up

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?

  • Young professionals planning for long-term wealth
  • Salaried individuals expecting regular raises
  • Anyone serious about reaching their financial goals faster
Advantages Of Using Step-Up SIP Calculator
Unlock the Benefits of Incremental Investment Growth
Visualises Long-Term Wealth Growth
See how small, consistent increases in your SIP can lead to significantly larger returns over time.
Plans for Real-Life Income Growth
As your salary grows, so can your SIP. This calculator helps you plan investments that grow with your income.
Compare Flat vs Step-Up SIPs Instantly
No guesswork—get a side-by-side comparison of how much more you can accumulate by stepping up your SIP.
Customisable & User-Friendly
Adjust SIP amount, annual increase %, duration, and expected return rate. See real-time results in seconds.
Smarter Goal Setting
Use realistic projections to set and refine long-term goals like retirement, home buying, or children's education.
Encourages Financial Discipline
The visual impact of future growth motivates users to stay consistent and increase contributions year after year.
Free, Fast, and Private
No sign-ups. No data tracking. Just powerful, instant insights.

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

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:

  1. Make Sure It Matches Your Cash Flow Increasing your SIP every year makes sense if your income grows too. Just be sure the step-up amount is something you’re comfortable with—even during slower financial years.
  2. Markets Can Vary Step-Up SIPs invest in market-linked instruments. While long-term returns are often strong, short-term ups and downs are normal. Use realistic return assumptions in the calculator.
  3. Stick With the Plan The power of a Step-Up SIP comes from consistency. Skipping or reducing future increases might impact your final goal, so revisit your plan regularly and adjust when needed.
  4. Keep Inflation in Mind Step-Up SIPs help counter inflation by boosting your investment each year. Still, it’s good to check your projections from time to time to make sure you're staying ahead.
  5. Avoid Overestimating Returns The calculator shows what could happen based on your inputs. It’s a guide, not a promise—so stay conservative with growth assumptions and focus on what you can control: your contributions.

Frequently Asked Questions

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.

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