Step-up SIP Calculator
See how increasing your SIP every year (a step-up or top-up SIP) builds a far larger corpus than a flat monthly SIP.
Step-up SIP vs Flat SIP
How a 10% annual step-up compares with keeping your SIP flat at ₹5,000/month for 15 years
| Plan | Total Invested | Maturity Value | Wealth Gained |
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Year-wise Growth
| Year | Monthly SIP | Total Invested | Corpus Value |
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What is a step-up SIP?
A step-up SIP (also called a top-up SIP) is a regular SIP where you automatically increase the monthly contribution by a fixed percentage every year. As your salary grows, your investment grows with it — so you build a much larger corpus without feeling the pinch of a big jump on day one.
Worked example
₹5,000/month at 12% p.a. for 15 years. You invest ₹9.0 lakh and end up with roughly ₹25.2 lakh.
Start at ₹5,000/month, raise it 10% each year, same 12% return for 15 years. You invest about ₹19.1 lakh and reach roughly ₹42 lakh.
The step-up plan ends with around ₹17 lakh more — purely from raising your SIP in line with your income each year.
Tips to get the most from a step-up SIP
Set the step-up close to your expected annual salary hike (often 8–12%) so the higher SIP stays comfortably affordable.
Most fund houses and platforms let you register a top-up SIP once, so the increase happens automatically every year without you having to act.
The biggest gains come in the later years. Don't pause the step-up during market dips — that's when your larger instalments buy the most units.
Frequently asked questions
What is the difference between a step-up SIP and a regular SIP?
A regular (flat) SIP invests the same amount every month for the entire tenure. A step-up SIP, also called a top-up SIP, automatically increases that amount by a fixed percentage each year. Because more money is invested over time — and invested earlier — the step-up SIP builds a significantly larger corpus for the same return assumption.
What step-up percentage should I choose?
A common choice is 10%, roughly in line with a typical annual salary increase. Choosing a step-up close to your expected income growth keeps the rising instalments affordable. You can use a higher figure (15–20%) if you expect strong income growth, or a lower one (5%) if you want a gentler increase.
How is the step-up SIP maturity calculated?
This calculator simulates the investment month by month. Each month the existing corpus grows at the monthly rate (your annual return divided by 12) and the current SIP instalment is added. At the start of every new year, the SIP amount is increased by the step-up percentage. The final corpus, your total contributions, and the wealth gained are then displayed.
Does a step-up SIP cost more in the early years?
No. A step-up SIP starts at the same initial amount as a flat SIP — the increase only kicks in from the second year onward. So in year one both plans cost exactly the same; the step-up plan simply scales up as your income grows.
Can I change or stop the step-up later?
Yes. A top-up SIP can usually be modified, paused, or cancelled at any time without penalty, just like a normal SIP. Stopping the step-up does not redeem your existing units — they stay invested and keep compounding.