Step-Up SIP Calculator
Calculate how increasing your SIP amount annually can dramatically accelerate your wealth creation.
Your inputs
Your estimate
Total Invested
₹19,12,491
Estimated Returns
₹14,61,835
Final Corpus Value
₹33,74,326
Gain due to Step-Up
+₹10,50,936
Compared to regular SIP
Growth Projection
Year-wise Breakdown
| Year | Monthly SIP | Total Invested | Wealth |
|---|---|---|---|
| Year 1 | ₹10,000 | ₹1,20,000 | ₹1,28,093 |
| Year 2 | ₹11,000 | ₹2,52,000 | ₹2,85,241 |
| Year 3 | ₹12,100 | ₹3,97,200 | ₹4,76,410 |
| Year 4 | ₹13,310 | ₹5,56,920 | ₹7,07,323 |
| Year 5 | ₹14,641 | ₹7,32,612 | ₹9,84,570 |
| Year 6 | ₹16,105 | ₹9,25,873 | ₹13,15,734 |
| Year 7 | ₹17,716 | ₹11,38,461 | ₹17,09,527 |
| Year 8 | ₹19,487 | ₹13,72,307 | ₹21,75,956 |
| Year 9 | ₹21,436 | ₹16,29,537 | ₹27,26,501 |
| Year 10 | ₹23,579 | ₹19,12,491 | ₹33,74,326 |
Estimates use your inputs and assumed returns. Actual returns vary and are not guaranteed.
Quick answer
A step-up SIP raises your monthly investment by a fixed percentage each year. ₹10,000 a month stepped up 10% yearly for 20 years could reach about ₹1.99 crore at an assumed 12%, against ₹1 crore with a flat SIP.
About the Step-Up SIP calculator
A Step-Up SIP is a smart way to invest where you increase your monthly contribution by a fixed percentage every year. This typically aligns with annual salary increments.
Even a 10% annual increase can lead to a significantly higher corpus compared to a regular SIP because of the power of compounding on higher contribution amounts in later years.
What is the formula?
Each month, Value = (Value + SIP) × (1 + i). After every 12 months, SIP = SIP × (1 + step-up %).
Worked example
A flat ₹10,000 SIP invests ₹24 lakh over 20 years and reaches about ₹99.91 lakh. With a 10% yearly step-up you invest ₹68.73 lakh and reach about ₹1.99 crore at the same assumed 12%.
Frequently asked questions
Why should I use a Step-Up SIP?
It helps you stay ahead of inflation and ensures your investments grow as your income increases.
Is a 10% step-up enough?
Even 5-10% makes a massive difference over 15-20 years. The earlier you start stepping up, the better.
Can I stop the step-up later?
Yes, you can always adjust your SIP amount with your mutual fund provider.
Reviewed by Vikas Gupta, AMFI-registered Mutual Fund Distributor (ARN-178652). Last updated . Mutual fund investments are subject to market risks, read all scheme related documents carefully. Mutual fund distribution by Korlipara Vikas Gupta, AMFI-registered Mutual Fund Distributor, ARN-178652. Distributors earn commission from fund houses on regular plans. Content and calculators on this site are for education, not personalised investment advice. Illustrations use assumed returns, which are not guaranteed.