Step Up SIP Calculator
Calculate how your investment grows when you increase your monthly SIP every year.
Investment vs Returns
How to Use This Step Up SIP Calculator
- Enter your Monthly SIP — the amount you plan to invest every month at the start (e.g. ₹5,000).
- Set your Annual Step-Up % — how much you want your SIP to increase each year. Use the quick buttons (5%, 10%, 15%, 20%) or drag the slider for a custom value.
- Enter the Expected Return — the annual rate of return you expect from your mutual fund investment (commonly 10–14% for equity funds).
- Set the Investment Period — the number of years you plan to stay invested.
- View your results instantly — the Estimated Corpus, Total Investment and Estimated Returns update automatically as you adjust any input. Click Calculate any time to refresh, or Reset to start over.
- Scroll down to see the year-wise SIP growth chart, how your SIP amount increases every year, and a side-by-side comparison with a Regular SIP.
Growth Over Time
See how your invested amount and projected corpus can grow over the selected period.
See How Your SIP Increases Every Year
Your monthly SIP progression will appear here.
Regular SIP vs Step-Up SIP
Corpus comparison
Year-Wise SIP Growth
| Year | Monthly SIP | Annual Investment | Total Invested | Estimated Corpus | Returns |
|---|
What is a Step-Up SIP?
A Step-Up SIP (also called a top-up SIP) is a systematic investment plan where you increase your monthly contribution by a fixed percentage every year, instead of investing the same amount throughout. As your income grows, your SIP grows with it — helping you build a larger corpus without feeling a bigger burden upfront. You can read more about how SIPs work on the AMFI Investor Corner.
How Does Step-Up SIP Work?
You start with a base monthly SIP, say ₹5,000. At the end of each year, your SIP automatically increases by your chosen step-up percentage. If you choose a 10% annual step-up, your ₹5,000 SIP becomes ₹5,500 in year 2, ₹6,050 in year 3, and so on — compounding your contribution amount just like your returns compound. New to investing altogether? Our Investing for Beginners guide covers the basics before you start a SIP.
Step-Up SIP Example
Starting SIP: ₹5,000/month, Step-Up: 10% a year, Return: 12% p.a., Duration: 20 years. Your monthly SIP rises from ₹5,000 in year 1 to well over ₹30,000 by year 20 — see the exact year-wise numbers in the table above using your own inputs.
Step-Up SIP vs Regular SIP
A regular SIP keeps your monthly contribution fixed for the entire tenure. A Step-Up SIP increases it every year. Because more money gets invested in the later, more valuable years of compounding, a Step-Up SIP can build a meaningfully larger corpus than a regular SIP for the same starting amount — see the comparison above using your own numbers.
Benefits of Step-Up SIP
- Grows your investment in line with your rising income, instead of staying flat.
- Helps your investments keep pace with inflation over the long term.
- Builds a meaningfully larger corpus than a regular SIP of the same starting amount.
- Keeps you disciplined — you don’t need to remember to manually increase your SIP.
- Lets you start small and scale up, instead of committing a large amount from day one.
Planning a bigger financial goal alongside your SIP? Explore all our free financial calculators to plan loans, retirement and more.