Sip Calculator
You start a ₹5,000/month SIP at 12% CAGR. After 20 years — ₹49.9 lakhs. Now add just a 10% annual step-up. After the same 20 years — ₹1.56 crores. That's a 3× difference from a single feature most SIP calculators don't even show you.
A step-up SIP calculator (also called a top-up SIP calculator) accounts for the fact that your income grows over time — and your investments should too.
What is a Step-Up SIP?
A Step-Up SIP is a variant where your monthly contribution automatically increases by a fixed percentage at the start of every year. Example with ₹5,000 start and 10% step-up:
- Year 1: ₹5,000/month
- Year 2: ₹5,500/month
- Year 5: ₹7,321/month
- Year 10: ₹11,717/month
- Year 20: ₹30,348/month
Step-Up vs Regular SIP Returns (₹5,000/mo @ 12% CAGR)
| Duration | Regular SIP | Step-Up SIP (+10%/yr) | Extra Wealth |
|---|---|---|---|
| 5 Years | ₹4.12 L | ₹5.39 L | +₹1.27 L |
| 10 Years | ₹11.58 L | ₹18.44 L | +₹6.86 L |
| 15 Years | ₹25.22 L | ₹54.02 L | +₹28.8 L |
| 20 Years | ₹49.93 L | ₹1.56 Cr | +₹1.06 Cr |
Calculate Your Step-Up SIP Returns ↓
⚡ Quick Step-Up SIP Calculator
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Assumes 12% CAGR. Full Calculator →
Who Should Use Step-Up SIP?
- Salaried professionals expecting annual salary hikes
- Young investors (22–35) whose income will grow significantly
- Goal-based investors targeting ₹1 crore or retirement fund
- Anyone whose current SIP feels "too small" to meet their goals
💡 The Golden Rule of Step-Up SIPs
Every time you get a salary hike, increase your SIP by at least 10%. You'll barely feel the lifestyle change, but your future corpus will be dramatically larger.
Start Calculating Your Step-Up SIP Now ↓
Our free calculator includes the step-up slider. Use the "Annual Step Up" option and see your wealth multiply.
Open SIP Calculator →Frequently Asked Questions
What is a step-up SIP?
A step-up SIP allows you to automatically increase your monthly SIP contribution by a fixed percentage every year — typically 10% to match salary hikes.
Is step-up SIP better than regular SIP?
Yes. Step-up SIP significantly outperforms regular SIP over 10+ years because more capital is deployed as compounding accelerates in later years.
What is a good step-up percentage for SIP?
10% annual step-up is most recommended, roughly matching average Indian salary increments. Even 5% makes a meaningful difference over 15–20 years.
Can I set up a step-up SIP with any mutual fund?
Yes, most AMCs like Groww, Zerodha, Paytm Money, and direct fund houses offer step-up SIP registration. You can usually set it during SIP creation.