Step-up SIP Calculator
The Step-up SIP is the most powerful variant of a regular SIP. By increasing your investment a little each year — matching your income growth — you can accumulate dramatically more wealth without lifestyle sacrifice.
📶 Step-up Power
₹5,000/month flat SIP at 12% for 20 years = ~₹50L
₹5,000/month + 10% annual step-up at 12% = ~₹1.9 Cr
Almost 4× more wealth!
Increase SIP by this % every year
- Final Monthly SIP Amount
- ₹11,790
- Total Invested
- ₹9,56,245
- Maturity Value
- ₹16,87,163
- Total Returns
- ₹7,30,918
- Flat SIP Maturity
- ₹11,61,695
- Step-up Advantage
- ₹5,25,468
| Year | Monthly SIP | Total Invested | Portfolio Value |
|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹64,047 |
| 2 | ₹5,500 | ₹1,26,000 | ₹1,42,621 |
| 3 | ₹6,050 | ₹1,98,600 | ₹2,38,205 |
| 4 | ₹6,655 | ₹2,78,460 | ₹3,53,661 |
| 5 | ₹7,321 | ₹3,66,306 | ₹4,92,285 |
| 6 | ₹8,053 | ₹4,62,937 | ₹6,57,867 |
| 7 | ₹8,858 | ₹5,69,230 | ₹8,54,764 |
| 8 | ₹9,744 | ₹6,86,153 | ₹10,87,978 |
| 9 | ₹10,718 | ₹8,14,769 | ₹13,63,250 |
| 10 | ₹11,790 | ₹9,56,245 | ₹16,87,163 |
Frequently Asked Questions
What is a Step-up SIP?
A Step-up SIP (also called Top-up SIP) is a variation where you increase your monthly investment amount by a fixed percentage every year. For example, if you start with ₹5,000 and step up 10%, next year you invest ₹5,500/month.
Why should I do a Step-up SIP?
Your income typically grows each year (increments, business growth). A Step-up SIP ensures your savings rate keeps pace with income, dramatically boosting your final corpus without a large sacrifice upfront.
What is a reasonable step-up percentage?
A 10% annual step-up aligns with typical salary increments in India. If you expect higher income growth (20%+ sector), you can step up more aggressively. Even 5% step-up delivers significantly more wealth than a flat SIP.
How much more does Step-up SIP give vs flat SIP?
The difference is exponential. ₹5,000/month flat SIP at 12% for 20 years: ~₹49.96L. Same ₹5,000 with 10% annual step-up: ~₹1.89 crore. That is nearly 4x more wealth from disciplined annual increments.
Can I combine Step-up SIP with a goal?
Absolutely. Step-up SIP is ideal for goal-based planning. If you know a future expense (child's college in 15 years), start a step-up SIP now and let your growing income match your growing aspirations.