Investment
Step-up SIP Calculator
Projects the future value of a SIP where the monthly contribution increases by a fixed percentage every year.
Your details
₹
%
%
yrs
Maturity value
₹85,97,871
Total invested
₹38,12,698
Estimated returns
₹47,85,173
Stepping up your SIP by 10% every year gets you to ₹85,97,871 — ₹35,52,111 more than a flat SIP of the same starting amount (₹50,45,760).
InvestedValue
How this is calculated
Each year's monthly contribution = starting amount × (1 + step-up%)^(year index), compounded monthly at the expected return — summed across the full tenure.
Frequently asked questions
Why step up my SIP instead of keeping it flat?
Your income typically grows over time — stepping up your SIP in line with it lets you reach a goal faster or with a lower starting amount, without the flat amount feeling heavier every year.
How much should I step up by each year?
A common approach is to match your expected annual salary hike (often 8–12%), but any amount you can sustain works.
Does my fund do this automatically?
Most AMCs support a 'Step-up SIP' or 'Top-up SIP' registration where you pre-authorize the annual increase — otherwise you'd need to manually revise it.
How does this compare to a flat SIP?
This calculator shows the flat-SIP comparison directly in the result — the difference is the extra wealth built purely from stepping up.