What is a Step-Up SIP?

It is a SIP where the monthly investment increases periodically, commonly once a year, by a fixed percentage or amount. The aim is to align investing with a growing income.

How is this different from a regular SIP?

A regular SIP keeps the instalment flat. A Step-Up SIP contributes more over time, so it can build a larger projected corpus, but it also requires increasing cash flow.

Are Step-Up SIP returns guaranteed?

No. The calculator uses the expected return you enter as a constant assumption. Mutual fund and market-linked returns can be higher or lower.

Should I use a step-up for every goal?

Only if the higher future instalments fit your expected budget. Stress-test the plan with lower returns and a smaller step-up before relying on it.

Does a step-up SIP earn a higher return?

No. The return depends on the fund, not the contribution pattern. The larger corpus comes from investing more money and compounding it for the remaining years.

What step-up percentage should I choose?

One you can sustain in a weak year. Check the final-year instalment the projection implies before committing to a figure.

Can I stop or reduce the annual increase later?

Yes — it is an instruction on your own contributions. Doing so simply moves your outcome towards a flat-SIP result.

Should I compare this with a regular SIP?

Yes. Run the same starting amount, period and return in the SIP calculator, and the difference is exactly what the step-up adds.

Step-Up SIP Calculator

See how increasing your monthly SIP each year could affect your projected investment corpus.

Under 30 seconds

Updated 1 Sept 2026

12,450people used this

Estimated maturity value

₹86,83,849

After 15 years at the assumed return.

Total invested

₹38,12,698

Sum of all step-up instalments.

Estimated gains

₹48,71,152

Projected value above your contributions.

Final monthly SIP

₹37,975

Monthly instalment in year 15.

A Step-Up SIP calculator projects a SIP whose monthly instalment increases by a chosen percentage every year. It compares the estimated corpus with a regular SIP that keeps the starting instalment unchanged; returns are assumptions, not guarantees.

Visual breakdown

A visual view of your calculation.

Interactive charts arrive here soon.

Year-wise Step-Up SIP growth

The instalment, annual contribution and projected value at each year-end.

The instalment, annual contribution and projected value at each year-end.
Year	Monthly SIP	Total invested	Est. gains	Value
1	₹10,000	₹1,20,000	₹8,093	₹1,28,093
2	₹11,000	₹2,52,000	₹33,241	₹2,85,241
3	₹12,100	₹3,97,200	₹79,210	₹4,76,410
4	₹13,310	₹5,56,920	₹1,50,403	₹7,07,323
5	₹14,641	₹7,32,612	₹2,51,958	₹9,84,570
6	₹16,105	₹9,25,873	₹3,89,861	₹13,15,734
7	₹17,716	₹11,38,461	₹5,71,067	₹17,09,527
8	₹19,487	₹13,72,307	₹8,03,649	₹21,75,956
9	₹21,436	₹16,29,537	₹10,96,963	₹27,26,501
10	₹23,579	₹19,12,491	₹14,61,835	₹33,74,326
11	₹25,937	₹22,23,740	₹19,10,776	₹41,34,516
12	₹28,531	₹25,66,114	₹24,58,227	₹50,24,342
13	₹31,384	₹29,42,725	₹31,20,840	₹60,63,565
14	₹34,523	₹33,56,998	₹39,17,792	₹72,74,790
15	₹37,975	₹38,12,698	₹48,71,152	₹86,83,849

Smart Insights

Generated from the numbers you entered — no guesswork.

Your monthly SIP rises from ₹10,000 to about ₹37,975 in the final year.
Compared with a flat SIP, the step-up projection adds about ₹36,38,089 to the estimated corpus.
The step-up plan invests ₹20,12,698 more than the regular SIP over the period.
The 12% annual return is an assumption. Test a lower rate before using this projection for a goal.

What is the Step-Up SIP Calculator?

What the tool does, who it is for and what it cannot tell you.

The step-up SIP calculator projects the corpus from a monthly investment that increases by a fixed percentage once a year. It compounds each instalment for its remaining months, so the result reflects both the extra money you contribute and the additional compounding those contributions earn.

It answers a specific planning question: how much difference does raising my SIP with my salary actually make? Comparing the projection with a flat SIP at the same starting amount shows how much of the extra corpus comes from contributing more, and how much from compounding.

It assumes a constant return and an uninterrupted annual increase, neither of which markets or careers guarantee. Fund costs, taxes and inflation are not deducted, so compare the output against an inflation-adjusted goal rather than today's price.

How does the Step-Up SIP Calculator work?

Each step the calculator runs, in plain language.

1
Start with the first-year SIP
The starting monthly contribution is invested at the beginning of each month.
2
Increase once a year
At the start of each new year, the monthly SIP is increased by your selected percentage.
3
Project the corpus
The model applies the assumed monthly return to the growing balance and shows contributions separately from gains.

What to enter in each field

The exact figure each input expects, so the result means what you think it means.

Initial monthly investment: What you will invest in the first year. This is the base that every annual increase is applied to.
Annual step-up percentage: How much the instalment rises each year. Match it to realistic long-term income growth — ten per cent roughly doubles the instalment in about seven and a half years.
Investment period: Total years you will keep investing. Longer periods magnify both the step-up effect and the compounding.
Expected annual return: A constant assumption applied throughout. Use a conservative figure, then re-run at a lower rate to see how sensitive the plan is.

Step-Up SIP Calculator formula

The exact maths behind every number on this page.

Each month: balance = (balance + monthly SIP) × (1 + r); each year: monthly SIP = previous SIP × (1 + step-up%)

r: Expected monthly return = annual return ÷ 12 ÷ 100
step-up%: Annual percentage increase in the monthly SIP

The SIP increases once after every 12 instalments. This is a constant-return projection, not a market forecast.

Step-Up SIP Calculator calculation example

₹10,000 monthly SIP, 12% assumed return, 15 years and 10% annual step-up.

1First-year SIP₹10,000 per month
2Second-year SIP₹11,000 per month
3Step-up10% once each year
4ProjectionMonthly compounding for 180 months

The calculator compares the resulting projected corpus with a regular ₹10,000 SIP for the same period.

Important assumptions

What this calculation includes, and what it leaves out.

Instalments are invested at the start of each month, matching the regular SIP convention used by CalPaisa.
The annual step-up compounds on the previous year's monthly instalment.
The expected return is assumed constant and is not guaranteed; actual market returns vary.
Taxes, expense ratios, exit loads and inflation are not modelled.

Financial tips

Practical guidance to act on your result.

Choose a step-up you can sustain even when expenses rise.
Use conservative return assumptions and compare the output with your goal's future cost.
Review your SIP annually rather than increasing it automatically without checking cash flow.
Taxes, fund costs, inflation and market volatility are not included in this projection.

Frequently asked questions

Short, direct answers to the questions we hear most.

Guides that explain how to use this calculation in a real decision.

Investments • 8 min read

Why a 10% step-up SIP beats a flat SIP

Small annual increases compound quietly. Here is the arithmetic behind step-up investing — and its limits.

Read guide

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Disclaimer

CalPaisa calculators are for general information and planning only. Results are estimates based on the values you enter and standard formulas, and may differ from the figures your bank, employer, or tax authority applies. Nothing here is investment, tax, or legal advice. Please confirm important decisions with a qualified professional. Read our financial disclaimer, learn how CalPaisa works, or tell us about a calculation you think is wrong.

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