Step-Up SIP Calculator
See how much extra corpus a step-up (top-up) SIP builds versus a flat SIP, by increasing your monthly investment every year.
How is a Step-Up SIP Calculated?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year, instead of keeping it flat for the whole tenure. This calculator compounds each month's installment at your expected monthly return, raising the installment itself at the start of every new year.
Installmentyear y = P × (1 + s)y−1
- P — Monthly investment in year 1
- s — Annual step-up rate (as a decimal)
- y — The year number (1, 2, 3…)
For example, a ₹10,000 SIP with a 10% annual step-up and a 12% expected return grows to a noticeably larger corpus over 10 years than a flat ₹10,000 SIP — because the extra installments each year get invested on top of a corpus that's already compounding.
Frequently Asked Questions
Is a step-up SIP guaranteed to give higher returns?
No. The step-up increases how much you invest each year, not the rate of return, which remains entirely market-linked. It builds a larger corpus for the same starting amount and expected return, not a higher return itself.
How do I choose an annual step-up percentage?
A common starting point is to match your expected annual salary hike (commonly 8–10%), so your SIP stays a roughly constant share of your growing income instead of shrinking over time.
Read more: what is a step-up SIP, and how much extra wealth does it build?, SIP vs lump sum: what does the math actually say? or what's a realistic SIP return to assume?
Also see: SIP vs Step-Up SIP Calculator, Flat SIP Calculator, Lumpsum Calculator and CAGR Calculator