CalcVind

Step-Up SIP Calculator

Grow your SIP every year and see the difference

SIP Details

₹

₹10,000 · 10 thousand

%
%
years

Returns are estimates. Mutual fund returns are not guaranteed.

Your Step-Up SIP

₹86,83,849Total value
₹38,12,698Invested
₹48,71,152Est. returns
86.84 lakh
Value in words
₹37,975/mo
Last year's SIP
₹50,45,760
Regular SIP would give
₹36,38,089
Extra from stepping up
  • Invested₹38,12,698(44%)
  • Returns₹48,71,152(56%)

Year by year

YearMonthly SIPInvested so farValue at year end
1₹10,000₹1,20,000₹1,28,093
2₹11,000₹2,52,000₹2,85,241
3₹12,100₹3,97,200₹4,76,410
4₹13,310₹5,56,920₹7,07,323
5₹14,641₹7,32,612₹9,84,570
6₹16,105₹9,25,873₹13,15,734
7₹17,716₹11,38,461₹17,09,527
8₹19,487₹13,72,307₹21,75,956
9₹21,436₹16,29,537₹27,26,501
10₹23,579₹19,12,491₹33,74,326
  1. 1
    Enter your starting SIP
    And how much to raise it yearly
  2. 2
    Set return and period
    Expected yearly return and years
  3. 3
    Compare the results
    Step-up vs a regular SIP

How is a step-up SIP calculated?

Each year's 12 instalments are worked out like a normal SIP at that year's amount. The amount rises by the step-up percentage every 12 months, and everything keeps compounding monthly.

SIP in year k = P × (1 + s)ᵏ⁻¹

Each instalment grows at (1 + r ÷ 12) per month until the end

Match your SIP to your salary

Raising your SIP in step with your yearly increment keeps your savings rate steady as your income grows. Even a 10% yearly step-up can nearly double the final value over 20 years compared with a fixed SIP.

Setting it up

Most fund houses and investment apps offer a step-up or top-up option when you start a SIP: choose a fixed rupee amount or a percentage, increased once a year.

Related calculators

Frequently asked questions

What step-up percentage should I choose?

Something close to your expected pay rise, often 5–15% a year. You can usually change or stop the step-up later.

Does the step-up happen every 12 months?

Yes. This calculator raises the SIP once a year on the SIP's anniversary, which is how most step-up facilities work.

Are the returns guaranteed?

No. The result assumes a steady return; actual mutual fund returns vary from year to year.

These results are estimates for planning only, not financial, investment or tax advice. Rates and rules change, and your bank, fund house or employer may calculate slightly differently. Check with them or a qualified adviser before you decide.

Sources

Last reviewed: October 2026