Step-Up SIP Calculator
Most people can invest a little more each year as their salary grows. This shows what raising your SIP annually does to the final corpus, compared with keeping it flat.
Total invested
₹38,12,698
Estimated returns
₹48,71,152
Final value
₹86,83,849
A flat ₹10,000 SIP with no step-up would reach ₹50,45,760. Raising it 10% a year adds ₹36,38,089, and your final monthly instalment would be ₹37,975.
The SIP amount increases once every 12 months. Returns are assumed constant and compounded monthly.
How to use
- 1Enter the monthly SIP you are starting with.
- 2Set the annual step-up — the percentage you raise it by each year, usually in line with your salary hike.
- 3Set your expected return and the time period.
- 4Compare the final value against a flat SIP to see what the yearly increase is worth.
Frequently Asked Questions
What is a step-up SIP?
A SIP where the monthly amount increases by a fixed percentage every year — typically matched to your annual appraisal. Most fund houses and apps let you set this up once and it happens automatically.
How much difference does a 10% step-up actually make?
A great deal over long periods. Because each increase compounds for the remaining years, a 10% annual step-up on a 15-year SIP typically produces 50 to 70% more than a flat SIP — even though your first-year outgo is identical.
What step-up percentage should I choose?
Match it to your expected salary growth so it never pinches. 10% is a common default; if your income is growing faster, 15% builds the corpus considerably quicker.
Can I change or pause the step-up later?
Yes. A step-up SIP is a standing instruction, not a lock-in. You can modify the percentage, pause the SIP, or stop it entirely whenever you like.