Step-Up SIP Calculator — Annual Increment SIP Returns
A Step-Up SIP increases your monthly investment by a fixed percentage every year. See how much more wealth you can build compared to a regular SIP.
Calculator Inputs
Total Value
Invested Amount₹9.56 L
Est. Returns₹7.31 L
Total Value
₹16.87 L
▲5.84% CAGR
vs Regular SIP:
Step-Up gives you ₹5.25 L more than a regular ₹5,000/mo SIP.
Year-by-Year Step-Up Growth
| Year | Monthly SIP | Total Invested | Total Value | Gains |
|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹187,588 | ₹127,588 |
| 2 | ₹5,500 | ₹126,000 | ₹370,710 | ₹244,710 |
| 3 | ₹6,050 | ₹198,600 | ₹549,473 | ₹350,873 |
| 4 | ₹6,655 | ₹278,460 | ₹723,980 | ₹445,520 |
| 5 | ₹7,321 | ₹366,306 | ₹894,333 | ₹528,027 |
| 6 | ₹8,053 | ₹462,937 | ₹1,060,630 | ₹597,694 |
| 7 | ₹8,858 | ₹569,230 | ₹1,222,969 | ₹653,739 |
| 8 | ₹9,744 | ₹686,153 | ₹1,381,443 | ₹695,290 |
| 9 | ₹10,718 | ₹814,769 | ₹1,536,145 | ₹721,376 |
| 10 | ₹11,790 | ₹956,245 | ₹1,687,163 | ₹730,918 |
Frequently Asked Questions
A Step-Up SIP (also called Top-Up SIP) is a SIP where you increase your monthly investment amount by a fixed percentage every year. For example, if you start with ₹5,000/month and set 10% step-up, your SIP becomes ₹5,500 in year 2, ₹6,050 in year 3, and so on.
As your income grows annually, a Step-Up SIP ensures your investments grow proportionally. A 10% annual step-up can increase your final corpus by 40–70% compared to a regular SIP of the same base amount.
A 10% annual step-up aligned with typical salary hike cycles is most commonly recommended. You can also match it to your income growth rate.
Yes, most mutual fund platforms allow you to modify or cancel your step-up instruction. You can increase or decrease the step-up percentage as your financial situation changes.
Regular SIP keeps the monthly amount fixed throughout. Step-Up SIP increases the monthly amount by a fixed percentage each year, resulting in significantly higher wealth creation over time.