SIP vs Step-Up SIP Calculator
Compare a flat monthly SIP against a step-up SIP with the same starting amount, return and tenure — side by side.
SIP vs Step-Up SIP: what actually changes
A flat SIP invests the same amount every month for the whole tenure. A step-up SIP starts at the same amount but increases it by a fixed percentage every year. This calculator runs both scenarios on identical starting amount, expected return and tenure, so the only variable is whether your installment grows or stays flat.
The step-up SIP always ends with a larger corpus for the same starting amount, because it puts more money to work — but it also means committing to invest more each year, not just once. The "extra corpus" figure above is the trade-off you're weighing against that rising commitment.
Frequently Asked Questions
Is the step-up SIP always the better choice?
It always builds a larger corpus for the same starting amount and return, but "better" depends on whether your income can actually sustain the rising installment every year. A flat SIP is the safer choice if your cash flow isn't reliably growing.
Why is the step-up SIP's total invested amount higher?
Because the installment itself grows every year, so the sum of all installments over the tenure is naturally higher than a flat SIP of the same starting amount. The comparison table above shows exactly how much more was invested, and how much of the final gap is genuinely extra wealth versus extra capital put in.
What step-up percentage should I use in this comparison?
A common approach is to match your expected annual salary hike (commonly 8–10%), so the comparison reflects a step-up you can realistically sustain rather than an aspirational number.
Read more: SIP vs step-up SIP: which builds more wealth?, what is a step-up SIP, and how much extra wealth does it build? or SIP vs lump sum: what does the math actually say?
Also see: Flat SIP Calculator and Step-Up SIP Calculator