Step-Up SIP Calculator
Top-up your SIP yearly — see how much more it builds
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026
How to use: Enter your starting monthly SIP, the annual step-up %, expected return and tenure — we show the maturity value and how much more it builds than a flat SIP.
Example₹10,000/month, 10% step-up, 12% for 20 years → about ₹2 crore (vs ~₹1 crore flat)
How much you raise the monthly amount each year — match it to your expected salary hike
Long-run equity funds ≈ 11–12%
Maturity value in 20 years
🎉 ₹1 Cr+ corpus₹1,98,88,715
Total you invest
₹68,73,000
Wealth gained
₹1,30,15,716
Step-up vs a flat SIP
Flat SIP
₹99,91,479
same ₹10,000 every month
Step-up SIP
₹1,98,88,715
+₹98,97,236 more
Stepping up 10% a year takes your SIP from ₹10,000 to ₹61,159/month by year 20 — most of the extra corpus comes from investing more, not a higher return.
A step-up SIP (also called a top-up SIP) raises your monthly investment by a set percentage every year — usually in line with your salary. It's one of the simplest ways to build a much larger corpus, because it compounds two things at once: the market return and your rising contribution.
Enter your starting monthly amount, the annual step-up, your expected return and how long you'll invest. The calculator projects the maturity value, what you actually put in, and — most usefully — exactly how much more it builds than a flat SIP of the same starting amount. The gap is often eye-opening.
Comparing strategies? See a flat plan in the SIP calculator, a one-time investment in the lumpsum calculator, or how big a SIP you need with our goal tools.
The corpus is built by compounding each month's contribution at the expected return (monthly, annuity-due — invested at the start of each month), with the monthly amount stepped up once a year by your chosen percentage. The flat-SIP comparison uses the same return and tenure at the constant starting amount. Returns are an assumption, not a guarantee. Educational estimate, not financial advice.
- Assumes you actually raise the SIP by the step-up every year.
- Constant-return assumption; excludes expense ratio and tax.
- What is a step-up (top-up) SIP?
- A step-up SIP automatically increases your monthly investment by a fixed percentage every year — for example, ₹10,000/month rising 10% a year to ₹11,000, ₹12,100 and so on. The idea is to grow your SIP in step with your salary, so you invest more as you earn more without thinking about it.
- How much more does a step-up SIP make vs a flat SIP?
- A lot, over long periods — but mostly because you invest more, not because each rupee earns a higher return. For example, ₹10,000/month at 12% over 20 years grows to about ₹1 crore as a flat SIP; with a 10% annual step-up it grows to roughly ₹2 crore. The calculator shows both side by side for your numbers, and how much extra the step-up adds.
- What step-up percentage should I choose?
- A common approach is to match your expected annual salary hike — often 8–12%. That keeps your investing rate roughly constant as a share of income. You can be more aggressive if you expect your income to rise faster, but pick a number you can realistically sustain every year.
- Why does the maturity figure differ from a flat SIP calculator?
- Because the monthly amount isn't constant — it rises every year. This tool compounds each year's higher contribution at your expected return, so the corpus is larger than a flat SIP of the starting amount. Set the step-up to 0% and you'll get exactly the same result as a flat SIP.
- Is the return guaranteed?
- No. The return is an assumption — equity mutual funds have historically returned around 11–12% over long periods, but real returns are lumpy and not guaranteed. Treat the maturity value as a projection, not a promise, and remember inflation erodes the future amount's real value.
Related guides
- SIP Calculator Excel Sheet: Free Download, with Step-UpA free .xlsx for SIP, step-up SIP and lumpsum: the corpus, the tax on redemption, and what it is worth in today's money. Formulas visible in every cell.
- Step-up SIP: the yearly tweak that changes your corpusRaising your SIP a little each year — in step with your salary — changes your 20-year corpus far more than you'd guess. The honest math inside.
- How much SIP do you need to reach ₹1 crore?The monthly SIP that grows to ₹1 crore — for 10, 15, 20 and 25 years — and why starting early does most of the work.
- SIP vs Lumpsum — discipline or timing?What history says about systematic investing versus one-shot deployments — and the rule that resolves the debate.
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