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Step-up SIP Calculator

Model an SIP with yearly increment — see how compounding rewards consistency.

Step-up SIP Calculator

Estimate the future value of your Step-up SIP investments and unlock the power of increasing contributions.

SIP Details

5,000
10 %
12.0 %
15 Years

Maturity Value

0

Total Investment

0

Wealth Gained

0

Year-wise Investment Breakdown

Year Annual Investment Invested Amount Estimated Value
Instant calculation
100% private
Visual breakdown
Year-wise schedule
100% Free

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Step-up SIP Calculator

Free step-up SIP calculator: enter your monthly SIP, yearly step-up %, expected return and period to see total invested, wealth gained and maturity value.

Step-Up SIP Calculator — Increase Your SIP Annually for Higher Returns

A regular SIP keeps the same monthly amount for years, but your salary doesn't — it goes up with hikes and promotions. A Step-Up SIP (also called Top-up SIP) automatically increases your monthly contribution by a fixed percentage each year, mirroring your income growth. The result: a substantially larger corpus without major lifestyle compromise.

Enter your starting SIP amount, annual step-up percentage, expected return, and tenure. See your total investment, wealth gained and maturity value. Set the step-up to 0% to see the same SIP without increases. No signup, no cost.

How to Calculate Step-Up SIP

1. Starting SIP

Enter the monthly SIP amount you'll start with in year 1.

2. Annual Step-Up %

Choose how much to increase the SIP each year — typically 5%, 10%, or matching your salary hike.

3. Expected Return

Enter the annual return you expect — for example 12% for an equity fund. These are assumptions, not guaranteed returns.

4. View Corpus

See total invested, gains earned and the final corpus. Set the step-up to 0% to compare with a flat SIP.

Step-Up SIP Calculator Features

Compare with a Flat SIP

Set the step-up to 0% to get the corpus of a regular SIP, then raise it to see how much more the yearly increase builds.

Year-Wise Breakdown

A row for each year: that year’s investment, the total invested so far, and what those instalments will be worth at the end of the period.

Multiple Currencies

Show amounts in any of 20 currency symbols, from the rupee and US dollar to the euro, pound and yen. Only the symbol changes; nothing is converted.

Investment vs Returns

Pie chart showing the principal-vs-gain split — longer step-up SIPs are mostly gains.

Type or Slide

Drag a slider, or type an exact figure into the box beside it — typed amounts can go past the end of the slider.

Free and Private

No signup, no tracking. Runs entirely in your browser.

Step-Up SIP Calculator — FAQs

10% is a popular choice. Conservative investors choose 5%; aggressive investors with strong career growth choose 12-15%. Match it to how you expect your income to grow.

Most major AMCs — SBI, HDFC, ICICI Prudential, Axis, Nippon — offer Top-up SIPs. You can also manually increase your SIP by registering a new mandate each year if your AMC doesn't support automatic step-ups.

A lot. With ₹5,000 a month to start, an assumed 12% return and 20 years, a 10% yearly step-up builds ₹99,44,358 against ₹49,95,740 for a flat SIP — about twice as much, though you also invest ₹34,36,500 instead of ₹12,00,000. The earlier years carry the biggest benefit because they compound longest.

Yes, completely free. No signup, no limits.