Step-Up SIP Calculator
See how raising your monthly SIP by a fixed percentage each year could change the illustrated future value, compared with keeping it flat. This is an illustration based on your own assumptions, not a forecast or a promise.
Your step-up SIP
Adjust the amounts below to see how the estimate changes.
In rupees, per month, in year 1.
How much the monthly amount rises, once a year — not a recommendation for your income.
Not a guarantee — pick a neutral illustrative band or enter your own assumption.
Your estimate
Starting at ₹10,000 per month, rising 10% once a year, at an assumed 12% annual return over 10 years. By the final year the monthly instalment reaches an estimated ₹23,579. This is an illustration of your own assumptions, not a forecast.
Starting at ₹10,000 per month and rising 10% each year, at an assumed 12% annual return over 10 years — the illustration shows a future value of ₹33,74,326, with the final year's monthly instalment reaching an estimated ₹23,579. This is a mathematical illustration of the assumptions chosen, not a promise.
Compare this with a flat (non-rising) SIP on the SIP Calculator to see what the annual step-up itself contributes.
Learn about this calculator
Estimates the future value of a monthly SIP that rises by a fixed percentage once a year, instead of staying flat.
A step-up (or top-up) SIP raises the monthly instalment by a chosen percentage once a year — commonly to keep pace with a rising income. This calculator simulates that month by month so you can see how a rising instalment compares with a flat one over the same period.
How it works
The instalment stays level for 12 months, then increases by the step-up percentage you chose, and this repeats every year for the whole period, compounding at the annual return you selected along the way.
What each input means
- Starting monthly SIP amount
- The instalment in year 1, before any step-up.
- Annual step-up
- How much the monthly amount rises, once a year — not a recommendation for your own income growth.
- Expected annual return
- An assumption you choose for illustration, not a promised return.
- Investment period (years)
- How many years the step-up SIP continues for.
What the results mean
- Total invested
- The sum of every (rising) instalment over the period.
- Estimated gain
- The difference between the future value and total invested.
- Estimated future value
- What the rising instalments are projected to grow to.
- Final year's monthly SIP
- What the instalment amount reaches by the last year, after all the step-ups.
Assumptions
- The step-up percentage and return both apply exactly as entered, every year, for the whole period.
- The step-up happens once a year, on schedule — not gradually or irregularly.
Limitations
- Real income growth and mutual fund returns rarely follow a single fixed percentage every year.
- This calculator does not model a pause, a missed step-up, or a step-down in any year.
Common mistakes
- Assuming a higher step-up percentage is automatically achievable for your own income — it's simply one illustrative assumption.
- Comparing the final year's monthly SIP figure directly against a flat SIP's fixed amount without also comparing the total invested.
Example
For example, starting at ₹10,000/month with a 10% annual step-up, a 12% assumed return, over 10 years, illustrates a noticeably higher future value than a flat ₹10,000 SIP over the same period — because later years' larger instalments still have time to compound.
FAQ
Is the future value shown here guaranteed?
No. The annual return you choose is an assumption for illustration only — mutual fund returns are market-linked and not guaranteed.
What step-up percentage should I use?
There isn't a single correct figure — it depends on how your own income is likely to grow. The quick-select values are neutral illustrative options, not a recommendation.
Compare this with the plain SIP Calculator (flat monthly amount) to see exactly what the step-up itself adds.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.