Step-Up SIP Calculator
Project your mutual fund wealth when you increase your SIP every year. Free, instant, and updated for FY 2025-26.
Calculate Your Step-Up SIP Returns
What is a Step-Up SIP?
A Step-Up SIP (also known as Top-Up SIP) is a Systematic Investment Plan in mutual funds that automatically increases your monthly contribution by a fixed percentage every year. Most Indian investors start with a salary-linked SIP and step it up by 10% annually to mirror income growth.
Compared to a flat SIP, stepping up dramatically improves the final corpus because each year's incremental amount compounds over the remaining tenure. A 15-year SIP starting at ₹10,000/month with 10% annual step-up and 12% returns typically delivers 60-80% higher maturity than a fixed SIP.
How the Calculation Works
This calculator uses a year-by-year compounding model:
- Each month, the current SIP amount is added to the balance.
- The balance earns interest at the monthly rate (annual ÷ 12).
- At year-end, the monthly SIP is increased by the step-up percentage.
- The loop runs for the full investment period.
Example: ₹10,000/month, 10% step-up, 12% returns, 15 years → Total invested ≈ ₹38.1 lakh, Maturity ≈ ₹83.5 lakh, Gain ≈ ₹45.4 lakh.
Benefits of Step-Up SIP
- Beats inflation: Annual increments preserve purchasing power.
- Aligns with income: Investments rise as your salary grows.
- Higher corpus: Significantly larger maturity than flat SIPs.
- Disciplined investing: No need to manually raise contributions each year.
- Goal-based planning: Ideal for retirement, child education, and home down payment.