Step-up SIP Calculator
Estimated value
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- Amount invested
- Estimated returns
- Amount invested
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- Estimated returns
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- Total value
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- Value without step-up
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Illustrative estimates only, based on the assumptions you choose. Actual returns, rates and costs will vary.
Year-by-year breakdown
| Year | Monthly SIP | Total invested | Value at year end |
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About the Step-up SIP calculator
A step-up (or top-up) SIP increases your monthly instalment by a fixed percentage every year, usually in line with your salary increases. Small annual increases make a big difference over long periods.
This calculator compares your step-up SIP with a regular SIP of the same starting amount.
How to use it
- Move the sliders, or type a value into each box.
- Watch the results and chart update as you go.
- Try different assumptions to see what changes the outcome most, then talk to us about a plan.
The formula
Each year y: monthly SIP = P × (1 + s)y; every instalment then grows at the monthly rate until the end
- P: starting monthly investment
- s: annual step-up (%)
- The value is the sum of every instalment, compounded monthly
Example
Starting at ₹10,000 a month and raising it by 10% every year, at 12% for 10 years, your SIP could be worth about ₹33,74,326, compared with ₹23,23,391 without a step-up.
Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
Step-up SIP Calculator: common questions
Many investors match their expected salary increase, often 5 to 10 percent. Even a small step-up adds up over time.
Most do, usually called a "top-up" or "step-up" facility. You set it up once and the amount increases automatically.
Yes. You can usually stop the top-up or change the SIP amount by submitting a request.
Want a plan, not just a number?
Book a free financial checkup and we'll turn these estimates into a plan that fits your life.