Step-up SIP calculator: what raising your SIP every year does
Compare a regular SIP with a step-up SIP that rises every year. See total invested, estimated value and the year-by-year growth.
Set the step-up to 0 for a regular SIP calculator. Set it to your expected yearly raise to see a step-up SIP.
Step-up SIP value
₹86.84 L
You invest ₹38.13 L · gains ₹48.71 L
Regular SIP value
₹50.46 L
You invest ₹18 L · gains ₹32.46 L
SIP in the final year
₹37,975
Starts at ₹10,000, rises 10% a year
Stepping up by 10% a year adds about ₹36.38 L compared with keeping ₹10,000 flat for 15 years.
- Regular SIP
- Step-up SIP
Assumes a steady 12% a year, compounded monthly, before tax and fund expenses. Real returns go up and down.
Show year by year
| Year | Monthly SIP | Invested (step-up) | Value (step-up) | Value (regular) |
|---|---|---|---|---|
| Year 1 | ₹10,000 | ₹1,20,000 | ₹1,28,093 | ₹1,28,093 |
| Year 2 | ₹11,000 | ₹2,52,000 | ₹2,85,241 | ₹2,72,432 |
| Year 3 | ₹12,100 | ₹3,97,200 | ₹4,76,410 | ₹4,35,076 |
| Year 4 | ₹13,310 | ₹5,56,920 | ₹7,07,323 | ₹6,18,348 |
| Year 5 | ₹14,641 | ₹7,32,612 | ₹9,84,570 | ₹8,24,864 |
| Year 6 | ₹16,105 | ₹9,25,873 | ₹13,15,734 | ₹10,57,570 |
| Year 7 | ₹17,716 | ₹11,38,461 | ₹17,09,527 | ₹13,19,790 |
| Year 8 | ₹19,487 | ₹13,72,307 | ₹21,75,956 | ₹16,15,266 |
| Year 9 | ₹21,436 | ₹16,29,537 | ₹27,26,501 | ₹19,48,215 |
| Year 10 | ₹23,579 | ₹19,12,491 | ₹33,74,326 | ₹23,23,391 |
| Year 11 | ₹25,937 | ₹22,23,740 | ₹41,34,516 | ₹27,46,148 |
| Year 12 | ₹28,531 | ₹25,66,114 | ₹50,24,342 | ₹32,22,522 |
| Year 13 | ₹31,384 | ₹29,42,725 | ₹60,63,565 | ₹37,59,311 |
| Year 14 | ₹34,523 | ₹33,56,998 | ₹72,74,790 | ₹43,64,180 |
| Year 15 | ₹37,975 | ₹38,12,698 | ₹86,83,849 | ₹50,45,760 |
What is a step-up SIP?
A step-up SIP (also called a top-up SIP) raises your monthly SIP by a fixed percentage or amount every year. Most fund houses let you set this once when you start, so the increase happens automatically.
The idea is simple: your salary rises every year, so your investing should too.
Regular SIP vs step-up SIP: an example
Start a ₹10,000 SIP, assume 12% a year, and stay invested for 15 years:
| Plan | You invest | Estimated value |
|---|---|---|
| Regular SIP of ₹10,000 | ₹18,00,000 | ₹50,45,760 |
| Step-up of 5% a year | ₹25,89,428 | ₹65,30,752 |
| Step-up of 10% a year | ₹38,12,698 | ₹86,83,849 |
With a 10% yearly step-up, the SIP reaches ₹37,975 a month in the final year. That is still small next to most salaries after 14 raises.
How this calculator works
- You invest at the start of every month.
- The monthly return is the yearly rate divided by 12, as most Indian SIP calculators use.
- The SIP rises by the step-up percentage once every 12 months.
- Results are before tax, exit loads and changes in expense ratio.
How much should I step up?
Matching your expected raise, often 5–10% a year, is a sensible default. If you start small, a bigger step-up early on makes up a lot of ground. New to SIPs? Start with how to begin investing with ₹500 and SIP vs lump sum.
Questions people ask
What is a step-up SIP?
A SIP whose monthly amount rises by a fixed percentage or rupee amount every year. Fund houses call it step-up or top-up SIP and can automate it.
Is step-up SIP better than a regular SIP?
It is not a different product, just a regular SIP that grows. Because you invest more over time, the final value is higher. The underlying fund and its risks are the same.
What return should I assume for an equity SIP?
Nobody knows future returns. For long-term planning, many people test a range of 8–12% a year. Use the lower end for important goals.
Can I stop or change a step-up SIP later?
Yes. You can usually pause, stop or change a SIP, including its step-up, through your fund house or investment app.
Related guides
This calculator is for education only and is not personalised financial advice. Results depend entirely on the assumptions you enter; real returns, rates and costs will differ. Consider a SEBI-registered adviser for decisions about your own money.