Step-up SIP Calculator
A ₹10,000 SIP stepped up 10% every year for 15 years at an assumed 12% grows to about ₹86.84 lakh, versus ₹50.46 lakh with a flat SIP.
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A step-up SIP raises your monthly investment by a fixed percentage every year, usually in line with salary increases. Small yearly increases make a large difference over long periods.
Example
Starting at ₹10,000 a month, increased 10% every year, for 15 years at 12%: you invest ₹38,12,698 and build about ₹86,83,849, compared with ₹50,45,760 from a flat ₹10,000 SIP.
Step-up SIP Calculator scenarios
| Yearly step-up | Total invested | Estimated value | Estimated gains |
|---|---|---|---|
| None (flat SIP) | ₹18.00 lakh | ₹50.46 lakh | ₹32.46 lakh |
| 5% | ₹25.89 lakh | ₹65.31 lakh | ₹39.41 lakh |
| 10% | ₹38.13 lakh | ₹86.84 lakh | ₹48.71 lakh |
| 15% | ₹57.10 lakh | ₹1.18 crore | ₹61.26 lakh |
| 20% | ₹86.44 lakh | ₹1.65 crore | ₹78.30 lakh |
What changes the result
- The step-up rate: the higher it is, the more of the final value comes from later, larger instalments.
- Duration: step-ups have little effect over 3–5 years but a large one over 15–25 years.
- The assumed return, which compounds every instalment.
- Whether you can sustain the increases — a step-up that is later paused behaves like a flat SIP from then on.
How to use this calculator
- Enter your starting monthly SIP.
- Enter the percentage by which you will raise the SIP every year.
- Enter the expected annual return and the number of years.
- Compare the step-up result with a flat SIP of the same starting amount.
Step-up SIP Calculator FAQs
What is a good step-up percentage?
Many investors match their expected salary growth, often 5–10% a year. Any regular increase helps.
Can I step up an existing SIP?
Most fund houses offer a top-up option when you register a SIP, or you can start an additional SIP each year.
Is a step-up applied once a year?
Yes, in this calculator the SIP rises once every 12 months and stays the same within each year, which is how most fund-house top-up facilities work.
Can the step-up be a fixed amount instead of a percentage?
Many fund houses allow a fixed rupee top-up (for example ₹1,000 a year). This calculator models a percentage step-up; a fixed top-up grows the SIP more slowly over time.
Results are estimates for planning only and are not financial, tax or investment advice. Check figures with your bank, fund house or tax adviser before acting on them.