Step Up SIP Calculator
Estimate the maturity value of a step-up (top-up) SIP that increases by a fixed percentage every year.
About this calculator
A step-up SIP calculator projects the maturity value of a SIP that grows each year. Instead of investing the same amount forever, you raise your monthly contribution by a set percentage annually — matching your rising income and building a noticeably larger corpus.
How it works
Each month your SIP is invested and the balance compounds at your expected return; at the start of every year the monthly amount increases by your step-up percentage. The calculator sums it all into the final maturity value, total invested and returns.
Worked example
A ₹10,000 monthly SIP with a 10% annual step-up, at 12% for 15 years, grows to roughly ₹86 lakh — well above a flat SIP of the same starting amount.
Prefer a flat SIP? Use the SIP calculator, or invest a one-time amount with the lumpsum calculator.
Why use this step-up SIP calculator
Models a rising SIP
Most people increase their SIP as income grows; this tool raises the contribution by your chosen percentage each year for a realistic corpus.
Shows the step-up advantage
Compare the final value against a flat SIP to see how much a modest annual increase adds over time — usually a lot.
Goal-friendly
Because it mirrors real salary growth, it's a more honest basis for planning a long-term goal than a fixed monthly amount.
Common use cases
- Plan a SIP that grows with your annual increments
- See how a 10% yearly step-up changes your retirement corpus
- Reach a big goal without a large starting contribution
- Compare step-up vs flat SIP for the same starting amount
Frequently asked questions
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — for example 10% annually. It lets your investment grow with your income and builds a much larger corpus than a flat SIP.
It invests your monthly amount for a year, raises it by your step-up percentage at the start of each new year, and compounds the whole balance at your expected return — then totals the maturity value, invested amount and returns.
A lot over long periods. Because each year's contributions are larger and compound for years, even a 10% annual step-up can add substantially to the final corpus versus a flat SIP.
No. SIP returns are market-linked and not guaranteed. The figures are estimates for planning only.
Yes. Everything is calculated in your browser and nothing is uploaded.
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