Step-Up SIP Calculator
A step-up (or top-up) SIP raises your monthly contribution by a set percentage every year: usually in line with your salary growth. Even a 10% annual step-up can grow your final corpus far beyond a flat SIP.
Future value
₹86,83,849
₹86.84 L
Invested
₹38,12,698
Est. returns
₹48,71,152
Stepping up 10% a year adds ₹36,38,089 versus a flat SIP of ₹10.0K/month.
Your monthly amount increases by 10% after every 12 months. Returns are assumed constant at 12% and are not guaranteed.
Frequently asked questions
Why use a step-up SIP?
Your income usually rises every year, so a fixed SIP becomes a smaller share of your earnings over time. Stepping it up keeps your savings rate intact and compounds the extra amounts for years.
What step-up percentage is reasonable?
Many investors pick 5–10% to match expected salary hikes. The calculator lets you try any value and compare the impact instantly.