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Step-up SIP Calculator

Use this Step-up SIP Calculator to see how a SIP that rises every year with your income grows your corpus versus a flat SIP. Adjust any input below and your results update instantly.

Your details

Adjust the inputs below and your results update instantly.

Starting monthly investment (₹)*

How much you invest every month in year one. Each following year this amount steps up.

₹500₹2L

e.g. ₹15,000/mo split across index funds

Annual step-up (%)*

How much your monthly SIP increases each year, typically in line with a salary hike or rising income.

0%25%

e.g. 10% more every year

Investment duration (years)*

How long you plan to keep investing and stepping up your SIP.

140

e.g. 15 years for a mid-term goal

Expected return (%)*

The annual return you expect on your investments. Equity-heavy mutual funds in India are often modelled at 10-12%.

4%18%

e.g. 12% for a mostly-equity portfolio

How these compare

vs. typical India long-term ranges

Expected return: 12%

India long-term equity avg: 10–13%

Typical

Annual step-up: 10%

Typical salary increment: 8–12%

Typical

These are example numbers. Edit any input on the left to see your own.

Your step-up SIP could grow to

₹1.29 Cr

2.3x your total investment

Total invested

₹57.19 L

Wealth gained

₹71.78 L

Portfolio value vs. invested

Portfolio valueAmount invested

Year-by-year breakdown

"% is growth" shows how much of that year's portfolio value is compounding gains rather than your own contributions.

YearPortfolio valueAmount investedStatus

1₹1.90 L₹1.80 L

1.1x invested

5% is growth

3₹7.08 L₹5.96 L

1.2x invested

16% is growth

5₹14.62 L₹10.99 L

1.3x invested

25% is growth

7₹25.39 L₹17.08 L

1.5x invested

33% is growth

9₹40.49 L₹24.44 L

1.7x invested

40% is growth

11₹61.40 L₹33.36 L

1.8x invested

46% is growth

13₹90.05 L₹44.14 L

2.0x invested

51% is growth

15₹1.29 Cr₹57.19 L

2.3x invested

56% is growth

Compare scenarios

See how small changes move your maturity value.

Your plan

₹15,000/mo · +10%/yr · 15y

₹1.29 Cr

Maturity value

Baseline

No step-up

₹15,000/mo flat · 15y

₹74.94 L

Maturity value

-₹54.03 L

Return +2%

₹15,000/mo · +10%/yr · 14%

₹1.51 Cr

Maturity value

+₹22.42 L

Worked example: your step-up SIP numbers

A step-by-step walkthrough of how your inputs become your maturity value.

Step 1 · Stepping up your SIP

Starting at ₹15,000/mo and stepping up 10% every year, by year 15 you invest

₹56,962/mo

Step 2 · Total invested

Across all 15 years, your cumulative contribution reaches

₹57.19 L

Step 3 · Maturity value

Compounding monthly at 1.00%, your investment grows to

₹1.29 Cr

✓

Of your final corpus, 56% (₹71.78 L) is pure investment growth, the power of compounding and stepping up together.

Personalised insights

What your numbers reveal, and what changing them would do.

Stepping up 10%/yr grows your corpus by ₹54.03 L

Compared to a flat ₹15,000/mo SIP, stepping up every year takes your maturity value from ₹74.94 L to ₹1.29 Cr.

56% of your maturity value is pure investment growth

₹57.19 L invested grows to ₹1.29 Cr, and ₹71.78 L of that is compounding gains.

Your final year's SIP reaches ₹56,962/mo

Starting at ₹15,000/mo and stepping up 10% every year, your monthly instalment nearly 3.8x's by year 15.

+2% return adds ₹22.42 L to your corpus

At 14% instead of 12%, your maturity value becomes ₹1.51 Cr.

How this is calculated

Every step of the math behind your result, shown in the open.

This year's monthly investment

P_0 = starting monthly investment, s = annual step-up, y = year index, P_y = that year's monthly amount

Your starting monthly investment (P_0) increases by the step-up rate (s) once per year, so year y's instalment is P_0 compounded by (1+s) that many times.

Example: ₹15,000/mo stepping up 10%/yr → ₹56,962/mo by year 15

Projecting future value, year by year

FV_prev = previous year's value, P_y = that year's monthly investment, A = one year's annuity factor

Each year, last year's value compounds forward 12 months, and that year's stepped-up instalments are added in via a one-year annuity factor, A = [(1+r_m)¹² − 1] / r_m; repeated year after year, this gives your future value.

Example: Each year's stepped-up instalments compounding at 1.00%/mo → ₹1.29 Cr

Estimating your wealth gained

Total Invested = sum of every month's instalment across all years

Your total contribution across every stepped-up year is subtracted from the future value (FV) to show how much of your final corpus is pure investment growth.

Example: ₹1.29 Cr − ₹57.19 L invested → ₹71.78 L gained

Assumptions

Your monthly investment steps up by a constant percentage once every 12 months.
Returns compound monthly at a constant rate, rather than fluctuating year to year.
Figures are indicative and pre-tax, not financial advice.

Understanding the Step-up SIP

The concept, the motivation, and what to watch out for.

What is a step-up SIP?

A step-up (or 'top-up') SIP automatically increases your monthly investment by a fixed percentage every year, instead of keeping it constant like a regular SIP.

Since most people's income rises over time, a step-up SIP lets your investment grow in step with your salary, so you invest a roughly constant share of your income rather than a shrinking one as inflation erodes a flat SIP's real value.

Small annual increases compound too

A 10% yearly step-up sounds modest, but applied to a growing monthly amount over 15-20 years it meaningfully outpaces a flat SIP of the same starting size.

Matched to how income actually grows

Most salaries rise with annual increments or promotions, and a step-up SIP is a natural way to save more without it feeling like a bigger sacrifice each year.

The step-up only works if you actually apply it

This projection assumes you increase your SIP every single year without fail. In a year without a raise, or with a job change, it's easy to let the step-up slide, and skipping even a couple of increases meaningfully lowers the final corpus.

Did you know?

A few facts behind step-up SIPs and compounding.

10%

A common rule of thumb

Many investors step up their SIP by roughly the same percentage as their average annual salary increment, often around 10%.

The Rule of 72 still applies

Divide 72 by your expected return to estimate doubling time for the underlying corpus. The step-up simply means more is being added each year.

Auto

Most platforms automate it

Indian mutual fund platforms let you set a step-up SIP once, and the monthly deduction increases automatically each year without manual intervention.

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The gap widens over time

In the early years a step-up SIP looks similar to a flat one. The difference in final corpus becomes dramatic mainly in the later years of a long investment horizon.

Frequently asked questions

Straight answers to the questions we hear most about step-up SIPs.

What is a step-up SIP?

A step-up SIP automatically increases your monthly investment by a fixed percentage every year, so your contribution grows in line with your rising income instead of staying flat. This Step-up SIP Calculator projects exactly that kind of rising investment's growth using your own numbers.

How much should I step up my SIP by?

A common approach is to match your expected annual salary increment, often 8-12% in India: enough to meaningfully grow your investment without straining your budget.

How is a step-up SIP different from a regular SIP?

A regular SIP keeps the same monthly amount for the entire duration. A step-up SIP raises that amount once a year, which usually produces a larger final corpus for the same starting contribution. This Step-up SIP Calculator models both side by side.

What return should I assume?

Equity-heavy mutual funds in India have historically averaged 10-12% annually over the long term, though actual returns vary year to year and are never guaranteed.

Can I change my Step-up SIP's rate later?

Yes. Most mutual fund platforms let you adjust or cancel a step-up SIP at any time. This calculator assumes a constant step-up rate applied every year throughout.