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 will you start with each month?

₹

How much will you increase it each year?

How much you raise the monthly amount each year — match it to your expected salary hike

What return do you expect?

Long-run equity funds ≈ 11–12%

For how many years?

yrs

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.

How it works

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.

Method & sources

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.

What this doesn't cover

Assumes you actually raise the SIP by the step-up every year.
Constant-return assumption; excludes expense ratio and tax.

Frequently asked

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.

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