Step-Up SIP Calculator
Finance & InvestmentSee what raising your SIP each year is worth — and what the instalment grows to by the end.
Runs entirely in your browser — nothing is uploaded
A step-up SIP raises the instalment once a year, which is closer to how income actually behaves — an amount that felt significant when you started is a smaller share of your salary five years later. This puts a stepped plan next to a flat one on the same figures, so you can see what the increase is worth. It also shows the final instalment, which is the number that decides whether the plan is affordable at the end rather than only at the beginning.
What people do next
Features
- Compares a stepped SIP against a flat one on identical assumptions.
- Shows what the instalment grows to by the final year.
- Year-by-year table of instalment, amount paid and value.
- Charts invested against value, so the curving contribution line is visible.
How to use the Step-Up SIP Calculator
- 1Enter the SIP you are starting with.
- 2Set the annual step-up percentage.
- 3Set the duration and an expected return.
- 4Check the final instalment before deciding the plan is realistic.
Frequently asked questions
What is a step-up SIP?
An ordinary SIP that increases by a set percentage every twelfth month, usually to track a salary rise. Fund houses also call it a top-up SIP. The compounding effect is significant because the larger instalments arrive while there is still time for them to grow.
How much difference does a step-up actually make?
On ₹10,000 a month for fifteen years at 12%, a 10% annual step-up raises the maturity value by roughly 60% over a flat SIP. The comparison on this page shows the figures for your own numbers rather than a general claim.
What step-up percentage should I choose?
Something close to the raise you realistically expect — 5-10% is common. The trap is choosing an ambitious figure and discovering the commitment has outgrown your income. The final instalment shown here is the number to check: a 15% step-up over twenty years multiplies the starting amount more than sixteen-fold.
Can I set this up automatically?
Most fund houses and platforms offer a top-up SIP mandate that raises the amount by a fixed percentage or a fixed rupee amount each year, without you doing anything. If yours does not, the alternative is manually increasing the mandate once a year, which works but is easier to forget.