Step-Up SIP Calculator: Grow Wealth Faster with Annual Increases
See how raising your SIP each year builds far more wealth than a flat SIP. Compare both side by side. Free and private.
Last updated: June 2026
Annual step-up by
Your step-up SIP
- Total wealth created
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- Total invested
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- Wealth gain
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- SIP in the final year
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Step-up vs flat SIP
- Flat SIP corpus
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- Step-up SIP corpus
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| Year | Monthly SIP | Total invested | Portfolio value |
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Why a step-up beats a flat SIP
Most people start a SIP and then never touch the amount, even as their salary doubles. A step-up SIP fixes that by raising the contribution every year. This step-up SIP calculator projects the corpus a rising SIP builds and compares it directly with a flat SIP that starts at the same amount.
The maths favours stepping up for two reasons. First, you simply invest more money over the tenure. Second, the extra rupees go in during the early and middle years, leaving them time to compound. A ₹5,000 SIP that grows 10% a year reaches a meaningfully larger corpus over 20 years than a frozen ₹5,000 SIP, and the side-by-side result shows exactly how much extra wealth that creates.
You can step up by a percentage, which tends to compound best, or by a fixed rupee amount, which is easier to plan around. Try both modes and a few return assumptions to see the range. When you are done here, model a one-time investment with the compound interest calculator, project your goal with the retirement calculator, or explore lump-sum and SWP options in the investment calculator.
Investment Disclaimer: This tool is for education only and is not investment advice. Returns are assumed for illustration and are not guaranteed; equity carries market risk. Consult a SEBI-registered advisor before investing. Full disclaimer.
How it works
Three quick steps — no account, nothing uploaded to a server.
Set your starting SIP
Enter the monthly amount you can begin with today.
Choose a step-up
Pick a percentage or fixed annual increase, plus tenure and return.
Compare the corpus
See the step-up corpus against a flat SIP and the extra wealth created.
Mutual fund investing basics referenced on this page are covered by the SEBI investor education portal. Last checked July 2026.
FAQ
Frequently asked questions
What is a step-up SIP?
A step-up SIP, sometimes called a top-up SIP, is a systematic investment plan where the monthly amount increases every year, either by a fixed percentage or a fixed rupee amount. It mirrors how your income usually rises over time, so your investing keeps pace with your earning instead of staying frozen at the amount you started with.
How is a step-up SIP different from a regular SIP?
A regular SIP invests the same amount every month for the whole tenure. A step-up SIP raises that amount each year. Over a long horizon the difference is large: a ₹5,000 SIP that grows 10% a year invests far more in the later years, when compounding is strongest, so the final corpus can be much higher than a flat ₹5,000 SIP.
Should I step up by a percentage or a fixed amount?
A percentage step-up scales with your contribution, so a 10% step-up on ₹5,000 adds ₹500 in year two and more later. A fixed step-up adds the same rupee amount each year regardless of the base. Percentage step-ups usually build a larger corpus over long periods, but a fixed step-up is easier to predict. The calculator lets you compare both.
What return should I assume for a step-up SIP?
For equity mutual funds, a long-term assumption of around 12% is common, though actual returns vary year to year and are not guaranteed. For more conservative or hybrid funds you might assume 8% to 10%. Try a few rates to see how sensitive the final corpus is to the return you choose.
How much extra wealth does a step-up SIP create?
It depends on the step-up rate and tenure, but the gap widens dramatically over time. A 10% annual step-up on a 20-year SIP can build well over 50% more corpus than a flat SIP of the same starting amount, because every year you are investing a larger sum while compounding still has years to work on it.
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