Step-up SIP calculator
See what your SIP could grow to if you raise it every year, and how far ahead of a flat SIP that puts you.
A step-up SIP calculator estimates what a SIP could grow to if you raise it every year, assuming a steady yearly return. ₹10,000 a month, raised 10% a year for 15 years at 12% a year, comes to about ₹86.84 lakh.
Estimated value in 15 years
₹86,83,849
Rupees eighty-six lakh eighty-three thousand eight hundred forty-nine only
- Flat SIP value
- ₹50,45,760
- Extra from step-up
- ₹36,38,089
₹36.38 lakh more than a flat SIP of ₹10,000 a month.
You invest ₹38,12,698; growth ₹48,71,151. Your SIP reaches ₹37,975 a month in the last year.
Estimate at a fixed 12% a year. Not guaranteed. Nothing you type is stored.
See year by yearKeeping your SIP the same every year? Use the SIP calculator and add inflation to see today's value.
How to use this step-up SIP calculator
- Enter the monthly SIP you start with. Type it in or drag the slider.
- Choose how you will raise it each year: by a percentage (say 10%) or by a fixed amount (say ₹1,000).
- Pick an expected yearly return. Try 8%, 10% and 12% for a cautious, middle and hopeful case — none of them is a promise.
- Set the number of years. The chart shows the flat SIP in dark green and the extra from your step-up in light green. Open the table to see your SIP and value each year.
Step-up SIP formula
SIPm = P × (1 + g)⌊(m − 1) ÷ 12⌋
M = Σ SIPm × (1 + i)n − m + 1
- P
- The monthly SIP you start with.
- g
- Yearly step-up as a decimal. A 10% step-up means g = 0.10. For a ₹ step-up, the SIP in year y is P plus the fixed amount times (y − 1).
- m
- The instalment number, from 1 to n. ⌊(m − 1) ÷ 12⌋ counts the full years before it, so the SIP rises once every 12 instalments.
- i
- Monthly return: the yearly rate ÷ 12 ÷ 100. For 12% a year, i = 0.01.
- n
- Number of monthly instalments: years × 12.
- M
- Estimated value: what all your instalments could be worth at the end.
Each instalment is assumed to be invested at the start of the month, so it earns that month's return too. This is the same assumption as our SIP calculator, so the flat SIP figure here matches it exactly.
Worked example
You start a SIP of ₹10,000 a month and raise it by 10% every year for 15 years. The expected return is 12% a year, so i = 0.01.
- Year 1 you invest ₹10,000 a month. Year 2 it is ₹11,000, year 3 ₹12,100, and so on. In year 15 it is about ₹37,975 a month.
- Over 180 instalments you invest ₹38,12,698 in all.
- Each instalment grows for the months left until the end. Adding them up gives the estimated value.
- You invest
- ₹38,12,698
- Growth
- ₹48,71,151
- Estimated value
- ₹86,83,849
- Flat ₹10,000 SIP, same 15 years
- ₹50,45,760
The step-up adds about ₹36.38 lakh. Over 10 years instead of 15, the same step-up SIP could reach ₹33,74,326, from ₹19,12,491 invested.
Flat SIP vs step-up SIP at 12% a year
The table starts every SIP at ₹10,000 a month. Only the yearly step-up changes. The gap grows fastest in the later years, when your SIP is largest and compounding has had the most time.
| Step-up a year | 10 years | 15 years | 20 years |
|---|---|---|---|
| None (flat SIP) | ₹23.23 lakh | ₹50.46 lakh | ₹1 crore |
| 5% | ₹27.87 lakh | ₹65.31 lakh | ₹1.37 crore |
| 10% | ₹33.74 lakh | ₹86.84 lakh | ₹1.99 crore |
| 15% | ₹41.19 lakh | ₹1.18 crore | ₹3.03 crore |
Remember that you also invest more with a step-up. Over 20 years, a 10% step-up means you invest ₹68,73,000, against ₹24,00,000 for the flat SIP. Look at both the value and the amount you invest.
A % step-up or a ₹ step-up?
A percentage step-up grows with itself. A 10% rise on ₹30,000 is ₹3,000, not ₹1,000. It suits you if your salary tends to rise by a percentage each year.
A fixed ₹ step-up adds the same amount every year, so it is easier to plan for. With ₹10,000 a month, a ₹1,000 yearly step-up for 15 years at 12% could reach about ₹75.09 lakh, from ₹30,60,000 invested. That sits between a flat SIP and a 10% step-up.
Step-up SIP calculator FAQs
What is the difference between a step-up SIP and a normal SIP?
A normal SIP invests the same amount every month for as long as it runs. A step-up SIP (also called a top-up SIP) raises the monthly amount once a year, by a percentage or a fixed amount. You invest more, and the extra money also has time to grow.
What is the best percentage to step up by?
There is no single right answer. Pick a rise you can keep paying even in a lean year. Many people match it to their expected salary rise. Try 5%, 10% and 15% above and compare the amount you invest with the estimated value.
Should I choose a % or a ₹ step-up?
A % step-up grows faster over long periods because each rise is bigger than the last. A ₹ step-up is steadier and easier to budget for. Switch between them above to see the difference for your numbers.
Can I pause or stop the step-up?
Rules differ by fund house and platform. Check with your fund house or the app you invest through before you set it up. This calculator assumes the step-up happens every year without a break.
Is the result guaranteed?
No. Mutual fund returns go up and down with the market. The calculator assumes the same return every year, which real markets never give. Treat the result as an estimate, not a promise.
Does this include tax, exit load or fund charges?
No. The result is before capital gains tax, exit loads and the fund's yearly expense ratio. Use a return that is already net of fund charges for a closer estimate.
Is my data saved?
No. Everything is calculated in your browser. Nothing you type is sent to us or stored. The only place your numbers go is the link you choose to copy or share.
For education only. This is not investment advice, and we are not SEBI-registered advisers. Returns are assumptions, not predictions. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.