Step-Up SIP Calculator
See the power of increasing your SIP every year. Enter your starting monthly SIP, yearly step-up %, expected return and period to compare a step-up SIP with a flat SIP.
Step-Up SIP Maturity Value
How to use the Step-Up SIP Calculator
- Enter your starting monthly SIP.
- Enter the annual step-up % — how much you will raise the SIP each year (many people match their salary hike).
- Enter the expected annual return and the number of years.
- Compare the step-up corpus with a regular SIP of the same starting amount.
How it is calculated
Worked example
₹10,000 a month, 10% step-up, 12% return, 15 years
Step-up SIP value ≈ ₹86.8 lakh on ₹38.1 lakh invested
Regular SIP of ₹10,000 for 15 years ≈ ₹50.5 lakh on ₹18 lakh invested
Stepping up adds about ₹36 lakh to the final corpus
Why step-up SIP works
Your income usually grows every year, but a fixed SIP stays the same, so its share of your income keeps shrinking. A step-up (also called top-up) SIP lets your investment grow with your salary. Most mutual fund houses let you set an automatic yearly increase by a fixed amount or percentage when you start the SIP. Even a 5% step-up makes a large difference over 15–20 years.
Tips
- Match the step-up to your expected salary hike, typically 5–10%.
- Use conservative return assumptions: 10–12% for diversified equity over long periods.
- Returns are not guaranteed; mutual fund investments are subject to market risk.
- Review the plan every year and stay invested through market falls.
Frequently Asked Questions
A SIP whose monthly amount increases by a fixed percentage or amount every year.
5–10% a year, roughly in line with your salary increases.
Most fund houses and platforms offer a top-up facility when you register the SIP.
They suit different situations; step-up SIP spreads investment over time and matches growing income.
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Content reviewed by Vinod, Easy Smart Calculator · Last updated October 2026