More rupees, not a magic rate
The step-up line is higher mainly because you invest more in later years. If both plans put in the same total rupees, the gap shrinks. Read invested totals under the headline corpus before you celebrate the extra crore.
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Step up SIP calculator
Type a monthly SIP, an expected return, a tenure, and an annual step-up. StepSip projects the corpus and lines it up against a regular SIP that never increases. Use it to test whether a 5% or 10% yearly raise is something your salary can actually fund.
Step-up corpus
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Regular SIP corpus
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Extra from step-up
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Invested (step-up)
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Invested (regular)
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Final monthly SIP
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After the last annual step-up
Projected corpus by year
Step-up SIPRegular SIP (no step-up)
Year-by-year table
Each row is the position at the end of that year. Scroll sideways on a phone.
| Year | Monthly SIP | Invested (year) | Invested (total) | Step-up corpus | Regular corpus |
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This is a projection, not a prediction. Markets do not compound at a fixed rate. The calculator does not include expense ratios, exit loads, taxes, or missed instalments. StepSip is not a SEBI-registered adviser. Read the disclaimer.
Enter monthly SIP, expected return, years, and step-up to see a projected corpus.
How this step up SIP calculator works
A systematic investment plan (SIP) buys units of a mutual fund every month. Astep-up SIP (also called a top-up or increasing SIP) raises that monthly amount once a year — for example 10%, so ₹10,000 becomes ₹11,000 in year two.
The calculator compounds each instalment monthly at expected return ÷ 12. After twelve instalments it applies the step-up and repeats. The regular column uses the same return and tenure but keeps the first-year SIP unchanged. That is the only difference between the two lines on the chart.
- Instalment is added at the start of each month, then the corpus compounds.
- Step-up is annual, not monthly. A 10% step-up does not mean 10% every month.
- Indian grouping is used for rupees (lakhs and crores in the headline numbers).
- Nothing is sent to a server. Change the URL query string to share a scenario.
What you can learn from the comparison
Cashflow is the real constraint
A 15-year, 10% step-up turns ₹10,000 into more than ₹37,000 a month by the last year. That only works if take-home pay, rent, and EMIs leave room. Model a conservative step-up you will not pause in a bad market.
A worked snapshot (edit it above)
Default inputs — ₹10,000 a month, 12% assumed return, 15 years, 10% annual step-up — are a common India planning example, not a recommendation. On those assumptions a regular SIP invests ₹18 lakh. The step-up plan invests more each year as the instalment climbs, so both corpus and contributions are larger. Change return to 8% or 10% to see how sensitive the ending number is. Markets will not print 12% every year.
Walk through the arithmetic inthe step-up SIP exampleor open the same numbers withthis prefilled link.
Guides
How an annual top-up works, who it suits, and how it differs from raising SIP by hand.
Same rupee-cost averaging, different cashflow path. When the flat SIP wins.
Year-one versus year-ten instalments, invested totals, and how to read the table.
Over-stepping, treating the chart as a guarantee, and pausing SIPs after a fall.
Quick FAQ
What does a step up SIP calculator show?
It projects the corpus if your monthly SIP rises by a fixed percentage every year, and places that next to the same SIP with no step-up. You see invested amount, estimated gains, a chart, and a year-by-year table.
Is a step-up SIP always better than a regular SIP?
Only if you can actually pay the higher instalments. The extra corpus comes mostly from investing more money later, not from a special return. If cashflow is tight, a smaller flat SIP you never skip is stronger.
What step-up percentage should I use?
Many people start with 5–10% to track a typical increment. Tie it to take-home pay, not to a hopeful chart. You can model 0% in this calculator to see the regular SIP case.
Are these returns guaranteed?
No. The expected return is an assumption you type in. Equity and debt funds can lose money in any year. Expense ratios, taxes, and missed SIPs all reduce the real outcome.