Step-up SIP calculator

Raise your SIP every year and see the difference.

Total value

₹84,35,816

₹84.36 lakh

raising your SIP 10% every year

Invested amount: ₹47,81,227
Est. returns: ₹36,54,588
Without step-up: ₹58,08,477
Extra from stepping up: ₹26,27,339

Your SIP starts at ₹25,000 and reaches ₹58,949 a month in the final year. Stepping up adds ₹26.27 lakh to the end value, a sensible way to let a rising salary do the heavy lifting.

Invested amount₹47,81,227
Est. returns₹36,54,588

Step-up SIP vs a flat SIP

Step-up SIPFlat SIP

What this calculates

A step-up (or top-up) SIP raises your monthly instalment by a fixed percentage every year, usually in line with salary increases. This calculator compares that plan with a flat SIP of the same starting amount.

How it's calculated

Year y instalment = P × (1 + s)^(y − 1)

Each month: value = (value + instalment) × (1 + i)

P: starting monthly instalment
s: annual step-up rate
i: monthly rate = annual return ÷ 12 ÷ 100

Results are illustrations based on the inputs you choose. Returns are not guaranteed and actual outcomes will vary. This is education, not advice.

Questions about this tool

Many people match their expected yearly raise, often 5–10%. Even a small step-up makes a large difference over 15 years or more.

Most fund houses and platforms offer a top-up facility. You can also do it manually by starting a new SIP each year.

Step-up SIP calculator

What this calculates

How it's calculated

Questions about this tool

What step-up percentage should I choose?

Do all funds allow step-up SIPs?

Step-up SIP calculator

What this calculates

How it's calculated

Questions about this tool

What step-up percentage should I choose?

Do all funds allow step-up SIPs?