Step-up SIP Calculator

A step-up (or top-up) SIP increases your monthly investment by a fixed percentage each year — matching your income growth. See how much more you accumulate versus a flat SIP.

Investment details

Starting monthly SIP

₹

₹5,000 / month

Annual step-up (increase per year)10%

0%50%

Expected annual return12%

1%30%

Investment period10 yr

1 yr40 yr

Step-up SIP results

Total invested

₹9.56 L

Est. returns

₹7.14 L

Maturity value

₹16.70 L

Amount investedEst. returns

vs. flat SIP (same starting amount)

Flat SIP maturity

₹11.62 L

₹5,000/mo fixed

Extra corpus with step-up

+₹5.09 L

43.8% more

Step-up SIP increases your monthly investment by the chosen percentage every year. The benefit compounds significantly over long periods as both the investment amount and returns grow together.

Results are estimates for illustrative purposes only. Mutual fund returns are subject to market risk. This is not investment advice.