Step Up SIP Calculator
Project your SIP's maturity value when you increase it every year.
✓ updated June 2026
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
A step-up (top-up) SIP increases your monthly investment by a fixed percentage every year, matching your salary increments. Enter your starting SIP, annual step-up, expected return and period to see the maturity value — and open the year-by-year table to watch the compounding accelerate. A 10% annual step-up typically grows the final corpus by 45–80% versus a flat SIP over 15+ years.
How to use the Step Up SIP Calculator
- Enter your starting monthly SIP amount.
- Set the annual step-up percentage (10% is a common default, matching salary growth).
- Enter the expected annual return and investment period.
- Read the maturity value, and open the year-by-year table to see the growth path.
Frequently asked questions
What is a step-up SIP?
A SIP where the monthly contribution automatically increases by a fixed percentage every year — for example ₹10,000 growing 10% annually becomes ₹11,000 in year 2, ₹12,100 in year 3, and so on. Most fund platforms let you set this up once.
How much difference does a step-up make?
A lot over long periods. Because the larger contributions also compound, a 10% annual step-up over 15–20 years typically produces 45–80% more corpus than keeping the SIP flat.
What step-up percentage should I choose?
Match it to your realistic salary growth — 5–10% is common. The key is consistency: a modest step-up you sustain beats an aggressive one you cancel.