Step-Up SIP Calculator
Calculate how your corpus grows when you increase your monthly SIP by a fixed % every year — matching salary hikes. Compare step-up vs flat SIP side by side.
Maturity Value (Step-Up SIP)
Total invested: ₹38,12,698 · Returns: ₹48,71,152
vs Flat SIP (₹10,000/mo)
₹50,45,760
Extra corpus from step-up
+₹36,38,089
| Year | Monthly SIP | Total Invested | Balance |
|---|---|---|---|
| Year 1 | ₹10,000 | ₹1.20 L | ₹1.28 L |
| Year 2 | ₹11,000 | ₹2.52 L | ₹2.85 L |
| Year 3 | ₹12,100 | ₹3.97 L | ₹4.76 L |
| Year 4 | ₹13,310 | ₹5.57 L | ₹7.07 L |
| Year 5 | ₹14,641 | ₹7.33 L | ₹9.85 L |
| Year 6 | ₹16,105 | ₹9.26 L | ₹13.16 L |
| Year 7 | ₹17,716 | ₹11.38 L | ₹17.10 L |
| Year 8 | ₹19,487 | ₹13.72 L | ₹21.76 L |
| Year 9 | ₹21,436 | ₹16.30 L | ₹27.27 L |
| Year 10 | ₹23,579 | ₹19.12 L | ₹33.74 L |
| Year 11 | ₹25,937 | ₹22.24 L | ₹41.35 L |
| Year 12 | ₹28,531 | ₹25.66 L | ₹50.24 L |
| Year 13 | ₹31,384 | ₹29.43 L | ₹60.64 L |
| Year 14 | ₹34,523 | ₹33.57 L | ₹72.75 L |
| Year 15 | ₹37,975 | ₹38.13 L | ₹86.84 L |
What is a step-up SIP?
A step-up (or top-up) SIP automatically increases your monthly investment by a fixed percentage every year. Starting at ₹10,000/month with a 10% annual step-up means you invest ₹11,000 in year 2, ₹12,100 in year 3 — matching typical salary growth.
Why is step-up SIP better than flat SIP?
Because inflation erodes purchasing power, a fixed SIP amount represents declining real investment over time. A step-up keeps your investment constant in real terms, and the compounding on incremental amounts significantly boosts the final corpus.
Related
Frequently Asked Questions
What is a step-up SIP?
A step-up (or top-up) SIP automatically increases your monthly investment by a fixed percentage every year. Starting at ₹10,000/month with a 10% annual step-up means you invest ₹11,000 in year 2, ₹12,100 in year 3 — tracking salary growth.
Why is step-up SIP better than flat SIP?
Because inflation erodes purchasing power, a fixed SIP amount represents declining real investment over time. A step-up keeps your investment constant in real terms, and the compounding on incremental amounts significantly boosts the final corpus.
What step-up % should I use?
A 10% annual step-up is a conservative and realistic assumption — it roughly matches average salary hike rates in India's private sector. If you expect higher increments, you can model 15–20%.