Financial Calculators
Step-up SIP Calculator
Your salary grows every year - your SIP should too. See what an annual increase does to your corpus.
- Total invested
- ₹19,12,488
- Estimated returns
- ₹14,61,836
- Total value
- ₹33,74,324
Estimates assume a constant rate of return, for illustration only. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Why step up your SIP?
Increments, pay commission revisions and promotions raise your income every year - but most investors leave their SIP unchanged for a decade. A step-up SIP fixes that quietly and automatically. Each year, your instalment rises by a fixed percentage, so your investing grows in step with your earning power, and the later, larger instalments still get years of compounding.
How the calculator works
The calculator simulates your plan month by month: each instalment is invested at the start of the month and compounds at the monthly rate, and once every 12 months the instalment increases by your chosen step-up percentage.
Worked example: ₹10,000 per month, 10% annual step-up, 12% return, 10 years. You invest ₹19,12,488 in total and the estimated value is about ₹33,74,324. The same SIP without a step-up reaches about ₹23,23,391 - the annual increase adds roughly ₹10.5 lakh to the outcome.
Frequently asked questions
What is a step-up SIP?
A step-up (or top-up) SIP automatically increases your monthly SIP amount by a fixed percentage every year - typically 5–15% - so your investing keeps pace with your rising income.
How much difference does a step-up really make?
A large one. A ₹10,000 monthly SIP at 12% for 10 years grows to about ₹23.2 lakh. Add a 10% annual step-up and the same plan grows to about ₹33.7 lakh - over ₹10 lakh more, simply by increasing the instalment as your pay increases.
What step-up percentage should I choose?
Match it to your realistic income growth. Salaried personnel often use 10%, aligning with annual increments; a conservative 5% still compounds meaningfully over long periods.
Can I set up a step-up SIP automatically?
Yes. Most AMCs support a top-up facility at registration, so the increase happens automatically every year without fresh paperwork. We set this up for our clients as standard practice.
Is the projected amount guaranteed?
No. The calculator assumes a constant rate of return for illustration. Actual mutual fund returns vary with markets. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
Set up a step-up SIP the right way.
We register the top-up facility for you, so the increase happens automatically every year.