A step-up SIP calculator computes the maturity value when you increase your monthly SIP amount by a fixed percentage each year.
About this calculator
A step-up SIP calculator computes the maturity value when you increase your monthly SIP amount by a fixed percentage each year. As your income grows, raising your investment even by 10% annually can build a much larger corpus than a flat SIP.
Step-up SIPs work well for salaried investors whose contributions can rise along with their income.
Common uses
- Calculate how much extra wealth a 10% annual SIP increase generates
- Model investment growth aligned with annual salary increments
- Compare step-up SIP vs flat SIP over 15–20 years
- Plan retirement savings with increasing annual contributions
Frequently asked questions
What is a step-up SIP?
A step-up SIP (also called a top-up SIP) is an investment where you increase the monthly SIP amount by a fixed percentage at regular intervals, usually annually. For example, starting at ₹5,000/month and increasing by 10% each year means you invest ₹5,500/month in year 2, ₹6,050/month in year 3, and so on.
How much more does a step-up SIP earn vs a flat SIP?
The difference can be enormous over long periods. For example, a flat SIP of ₹10,000/month at 12% for 20 years builds about ₹99.9 lakh. The same SIP with a 10% annual step-up builds about ₹1.98 crore, nearly double the final corpus.