Step-up SIP Calculator
Instant results as you type.
₹
%
%
years
Value at maturity
₹86,83,849.43
Total invested₹38,12,697.80
Wealth gained₹48,71,151.63
Final year instalment₹37,974.98
If you never increased it₹50,45,760.00
Extra earned by stepping up₹36,38,089.44
What this meansRaising the instalment 10% a year ends at 3.8× the amount you started with. Returns are assumed, not promised — markets do not deliver a fixed rate.
For education and planning only. Your bank or lender’s actual figures can differ — fees, rounding, day-count conventions and local rules vary. Always confirm the final numbers with your provider before deciding.
An ordinary SIP assumes you will invest the same amount for the next twenty years. Almost nobody does — pay rises, and the instalment can rise with it. A step-up SIP raises the amount by a set percentage each year, and the difference over a long period is far larger than most people expect, because every increase compounds for all the years that follow. This shows the maturity value alongside what the same plan would have reached had you never increased it, so the gap is the answer rather than a claim.
How to use it
- Enter what you can invest each month today.
- Set the yearly increase — many people match their expected pay rise.
- Add the return you are assuming and how long you will keep investing.
- Compare the result with the flat-SIP figure beside it.
Examples
- 10,000 a month rising 10% a year for 15 years at 12% matures far above the same SIP left flat
- Setting the increase to 0% gives exactly the ordinary SIP figure, which is how you can check the two tools agree
Frequently asked questions
- What is a step-up SIP?
- It is a normal SIP with one addition: the instalment increases by a fixed percentage every year, on the anniversary of the first investment. Fund houses also call it a top-up SIP, and most let you set it once so the increase happens automatically. The mathematics is otherwise identical — the same units bought at the same prices — so the only thing that changes is how much you put in each year.
- How much should I step up each year?
- Matching your expected pay rise is the usual rule, because it keeps the investment at a constant share of income rather than shrinking against it. Ten percent is a common default in India. What matters more than the exact figure is that the increase happens at all: an instalment held flat for twenty years is quietly cut by inflation every single year, so a flat SIP is really a shrinking one.
- Is a step-up SIP better than simply investing more now?
- If you can genuinely afford more today, investing it today wins, because it compounds for longer. A step-up is the answer to a different situation: you cannot afford more now, but you expect to later. It converts a future ability to invest into a plan you commit to once, rather than a decision you have to remember to take every year — which is the part people fail at.
- Can I stop or change the increase later?
- Yes. A step-up instruction is not a contract to keep paying; you can pause, reduce or cancel a SIP at any time, and the units you already hold are unaffected. That is worth knowing before you set an ambitious increase — the cost of aiming high and adjusting later is nothing, while the cost of never starting is every year of compounding you skipped.