Step-Up SIP Calculator
Model a SIP whose instalment increases by a fixed percentage every year, and see how much more it could accumulate than a flat SIP.
Estimated Corpus
₹86,83,849
≈ ₹86.84 Lakh · illustration at 12% p.a.
Total invested
₹38,12,698
Estimated gains
₹48,71,152
Flat SIP (no step-up) corpus
₹50,45,760
Extra from stepping up
₹36,38,089
- Invested
- Est. Gains
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Growth over time
- Est. Gains
- Invested
Year-by-year breakdown
| Year | Monthly SIP | Invested | Value |
|---|---|---|---|
| 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 |
| 11 | ₹25,937 | ₹22,23,740 | ₹41,34,516 |
| 12 | ₹28,531 | ₹25,66,114 | ₹50,24,342 |
| 13 | ₹31,384 | ₹29,42,725 | ₹60,63,565 |
| 14 | ₹34,523 | ₹33,56,998 | ₹72,74,790 |
| 15 | ₹37,975 | ₹38,12,698 | ₹86,83,849 |
Example calculation
Starting at ₹10,000 a month and raising it by 10% every year, you would invest ₹38,12,698 over 15 years. At an assumed 12% return the illustration reaches ₹86,83,849, compared with ₹50,45,760 for a flat SIP of ₹10,000 — a difference of ₹36,38,089.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly instalment at a fixed interval — usually once a year — by a fixed percentage or amount. The idea is to let your investing keep pace with a rising income instead of staying at the amount you could afford when you started.
How the calculation works
The calculator invests the current instalment at the start of each month and applies the monthly return (annual rate ÷ 12). After every 12 instalments, the instalment is raised by your step-up percentage. The final corpus is the sum of all instalments plus the growth on them.
Why small annual increases matter
Because each increase applies to every future year, a modest step-up compounds twice: the extra money itself grows, and so does the base that later step-ups are calculated on. Compare with the flat-SIP figure shown to see the gap.
Assumptions & Limitations
- •Returns are assumed constant every month; real markets fluctuate.
- •The instalment increases exactly once every 12 months by the percentage entered.
- •Costs, taxes, and exit loads are not modelled.
- •Outputs are illustrations of your assumptions, not forecasts or guarantees.
Frequently asked questions
Methodology last reviewed: 1 June 2026