🪜 Step-up SIP Calculator
A step-up (top-up) SIP increases your monthly instalment by a fixed percentage every year, usually matching salary hikes. Even a 10% annual step-up can add 50–80% more corpus over long horizons compared to a flat SIP.
Rules & rates verified 8 July 2026
Inputs
Results
⚠️ Educational use only. Results are close estimates based on the latest published rules and standard conventions — actual figures can differ with rounding, fees, exact dates and future rate/rule changes. This is not investment, tax or legal advice; consult a SEBI-registered adviser or CA.
How it's calculated
The instalment for year k is P × (1 + s)^(k−1) where s is the annual step-up. Each month's instalment then compounds at i = expected return ÷ 12 until maturity. Computed month-by-month.
Frequently asked questions
How much difference does a step-up make?
Large. A ₹10,000 SIP at 12% for 20 years grows to about ₹1 crore flat, but roughly ₹1.8 crore with a 10% annual step-up — the calculator shows the exact comparison for your inputs.
What step-up percentage should I choose?
Match it to realistic salary growth — 5–10% is common. AMCs let you set step-up SIPs (also called top-up SIPs) at registration.
