Step-up SIP calculator
Increase your SIP a little every year — watch how much more it becomes.
Quick answer
A step-up SIP calculator projects returns when you increase your monthly SIP by a fixed percentage each year — usually matching salary hikes. It compares the final corpus against a flat SIP to show how annual top-ups accelerate wealth.
Your corpus
Starting at ₹5,000/month, stepping up 10% a year for 15 years.
- You invest
- ₹19,06,349
- Growth on top
- ₹23,92,586
- Vs a flat SIP
- +₹18L
Stepping up as your salary grows is the single easiest way to build a much bigger corpus.
Rates & rules checked on 15 June 2026 · based on FY 2025-26 (AY 2026-27).
What this tells you
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — usually in step with your salary hikes. It's the closest thing to a cheat code for building a bigger corpus without feeling the pinch.
How it's calculated
Each year we grow your monthly contribution by your chosen step-up percentage, then compound every month at your expected return. The 'vs a flat SIP' figure shows exactly what the annual increases add over never stepping up.
Common questions
- How much should I step up each year?
- Match your average salary hike — 8–10% is a sensible default. Even a 10% step-up can grow your final corpus by 30–50% versus a flat SIP over 15–20 years.
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Sources
For general education, not personalised financial advice. Verify current rates and rules before acting — tax laws and interest rates change.