Step-up SIP Calculator
See how increasing your SIP every year (top-up SIP) grows wealth compared with a flat SIP.
About Step-up SIP Calculator
A step-up SIP, also called a top-up SIP, increases your monthly investment once a year, usually in line with salary hikes. This free step-up SIP calculator shows how much more that can build compared with a flat SIP of the same starting amount.
Enter your starting monthly SIP, choose a yearly step-up as a percentage or a fixed rupee amount, and set the expected return and period. The year-wise table shows the SIP amount, total invested and value at the end of each year, side by side with a flat SIP. The maths runs month by month in your browser.
How to use Step-up SIP Calculator
- Enter your starting monthly SIP.
- Choose a yearly step-up as a percentage or a fixed rupee amount.
- Compare the final value with a flat SIP of the same starting amount.
Frequently asked questions
What is a step-up SIP?
A SIP whose monthly amount increases once a year, usually in line with salary hikes. Most fund houses let you set the top-up as a percentage or a fixed amount.
How is it calculated here?
Month by month: each instalment is added at the start of the month and the balance compounds monthly at the annual return ÷ 12. The instalment rises after every 12 months.
How much step-up is sensible?
Matching your expected annual salary increase (often 5–10%) keeps the SIP affordable while beating inflation.
What is step-up amount in SIP?
It is the amount or percentage by which your monthly SIP rises each year. A 10% step-up on ₹10,000 makes it ₹11,000 in year two.
What is the step-up SIP formula?
There is no single closed formula; it is calculated month by month. Each instalment grows at the monthly return, and the instalment rises after every 12 months.
How do I top up my SIP?
Most fund houses and platforms let you set a top-up when starting a SIP, or you can start an additional SIP each year.
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