Step-Up SIP Calculator
Boost your wealth creation by increasing your SIP amount every year as your income grows. Discover the massive difference a 10% annual Step-Up makes.
Iterative monthly compounding standard used.
Returns are estimates and not guaranteed. Last updated: March 2026
Total Invested Amount
₹19,12,491
Est. Wealth Gained
₹14,61,835
Total Future Value
₹33,74,326
If you start with ₹10,000 per month and increase it by 10% annually for 10 years at 12% return, your accumulated investment will be ₹19,12,491, generating a massive portfolio worth ₹33,74,326.
Step-Up Growth Chart
Year-Wise Breakdown
What is a Step-Up SIP?
A Step-Up SIP (also called a Top-Up SIP) lets you increase your monthly SIP installment by a fixed percentage every year. As your salary grows with appraisals, your investments keep pace — making your wealth creation exponentially more powerful.
Regular SIP (₹10,000/mo, 15 yrs)
₹50.2L
@12% expected return
Step-Up SIP (10% annual hike)
₹79.5L
Almost 59% more corpus!
Why Choose Step-Up Over Regular SIP?
Beats Inflation
A flat ₹5,000 SIP loses purchasing power every year. Step-Up SIPs ensure your real investment value keeps rising alongside inflation.
Achieve Goals Faster
Even a small 10% annual increase can reduce the time needed to reach ₹1 Crore by 3–5 years, vs a regular SIP.
Matches Income Growth
Your SIP grows automatically in line with your earning capacity so you never feel financial strain from the increments.
Compare with a regular SIP
See the full picture with the standard SIP Returns Calculator.
Try SIP Returns Calculator