Calculator
Step-up SIP Calculator
Project a SIP that grows its monthly contribution every year, and see the gap it opens up versus a flat SIP.
Stepping up 10% a year grows your corpus ₹5,25,468 more than a flat SIP.
Total Invested
₹9,56,245
Estimated Returns
₹7,30,918
Total Value
₹16,87,163
after 10 years, final month ≈ ₹11,790/mo
Total
₹16,87,163
- Invested
- Returns
A step-up (or "top-up") SIP automatically increases your monthly investment by a fixed percentage every year — usually timed to your annual salary increment — instead of staying flat for the whole tenure. Most AMCs let you set this up directly with your SIP mandate.
Matching your expected salary increment (typically 8-12% in India) is a common rule of thumb — it keeps your SIP-to-income ratio roughly constant as your earnings grow, without a manual review every year.
No — the risk profile is set by what you invest in (equity, debt, hybrid), not by the step-up. The step-up only changes how much reaches the market each year, not the market risk itself.
Related tools
Why step up your SIP?
A flat SIP invests the same amount every month for years, even as your income rises. A step-up SIP raises the monthly amount by a fixed percentage each year — so your investment keeps pace with your salary instead of shrinking as a share of it. Over a long horizon, this compounds into a materially larger corpus than a flat SIP at the same starting amount.
Pick a real fund
Most AMCs let you set up a step-up SIP directly on the mandate. Compare 200+ direct-growth funds on our mutual funds catalogue before you commit.
Disclaimer: Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns. The assumed return rate is for illustrative purposes only.
Plan the month around it with our monthly budget planner (free template).
Need more calculators? Browse all calculators →