Step-Up SIP Calculator
Calculate a step-up (top-up) SIP where you raise your monthly investment every year. Free online step-up SIP calculator with returns and total value.
Stepping up ₹25,000/month by 10% a year, your SIP could grow to ₹84,35,816 in 10 years.
Total value per year
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 each year, usually in line with your rising income. So a 10% annual step-up on a ₹10,000 SIP invests ₹10,000 a month in year one, ₹11,000 in year two, and so on.
How much more does a step-up SIP grow versus a regular one?
Because you invest more over time and each increase compounds for the remaining years, a step-up SIP usually ends with a noticeably larger corpus than a flat SIP of the same starting amount. Set the step-up to 0% to compare against a regular SIP.
How is the step-up SIP value calculated?
The calculator raises the monthly contribution by your step-up percentage at the start of each year and compounds every month's investment at the expected return until the end of the period.
Related tools
Read the guide: How Does SIP Investment Work?
Results are estimates for illustration only and not financial advice.