SIP Step-up Calculator

Estimate maturity value when you increase SIP contribution every year by a fixed percentage.

Quick example: starting SIP ₹ 10,000 with 10% annual step-up for 15 years at 12% return may grow to ₹ 82,74,718.

Investment Inputs

Starting Monthly SIP

₹

Annual Return

Annual Step-up

Time Period

Yrs

A Step-up SIP is a strategy where your monthly SIP amount increases every year by a fixed percentage.

Instead of keeping SIP constant forever, you align investments with expected salary growth to accelerate long-term corpus creation.

Annual top-ups increase contribution size in later years when compounding base is already larger, creating a stronger snowball effect.

This approach can improve final maturity significantly compared with a fixed SIP, especially for horizons above 10 years.

If you start at ₹5,000 per month and increase by 10% every year, your monthly SIP becomes ₹5,500 in year 2, ₹6,050 in year 3, and so on.

Over long tenures, this progressive contribution pattern can build much higher maturity than a flat SIP because each annual increase also compounds.

Factor	Normal SIP	Step-up SIP
Monthly Contribution	Fixed throughout tenure	Increases yearly by selected step-up rate
Best For	Stable contribution planning	Income growth based investing
Corpus Potential	Good over long term	Usually higher over same tenure
Flexibility	Simple and predictable	More dynamic and goal-oriented

Why use step-up SIP instead of fixed SIP?

Step-up SIP aligns investments with income growth and can build a larger corpus without a large starting amount.

How often is the SIP amount increased?

This calculator applies the increase annually, which is common for salary-linked investment planning.

Can I set step-up to zero?

Yes. A zero step-up rate effectively behaves like a standard fixed monthly SIP plan.

Does this guarantee future corpus?

No. It is a projection based on assumptions and actual market returns can vary.