Step-up SIP Calculator
Enter your starting monthly SIP, an annual step-up percentage, expected return and duration to see how a growing SIP builds far more wealth than a flat one.
What is a step-up SIP?
A step-up SIP (also called a top-up SIP) is an ordinary mutual fund SIP that automatically increases the monthly investment by a fixed percentage every year. The idea is simple: as your salary grows, your investment grows with it — so you build wealth far faster than by leaving the amount flat for a decade.
Why it works so well
Two forces combine: you invest more over time, and the extra money compounds for almost the full remaining period. A step-up also quietly beats inflation — a ₹10,000 SIP feels big today but small in ten years, whereas a 10% step-up keeps your investing power roughly constant in real terms.
| Starting SIP ₹10,000, 12%, 15 yrs | Maturity |
|---|---|
| Flat SIP (0% step-up) | ≈ ₹50.5 lakh |
| 5% annual step-up | ≈ ₹66 lakh |
| 10% annual step-up | ≈ ₹87 lakh |
| 15% annual step-up | ≈ ₹1.16 crore |
How to use this calculator
- Enter the starting monthly SIP you can begin with today.
- Set an annual step-up — 10% is a common choice that roughly tracks salary hikes.
- Choose your expected return (equity funds have historically returned 11–14% long-term in India) and the duration.
- See the maturity value, the total you invested, and how big your final monthly SIP becomes.
Step-up SIP vs lumpsum
A step-up SIP is ideal when you invest from a monthly salary. If you have a windfall to deploy at once, compare it with a lumpsum investment instead, and judge realised returns using the CAGR calculator. Most investors do both — a growing SIP for regular savings, plus lumpsums whenever surplus arrives.