Mutual fund SIP
Step-up SIP calculator: increase your SIP by a fixed % every year and see the year-wise table of investment and value. Compare with a flat SIP.
₹5,000 a month with a 10% yearly step-up for 20 years at 12% return grows to about ₹99.44 lakh (you invest ₹34.36 lakh).
The same ₹5,000 without step-up reaches about ₹49.96 lakh — the step-up adds roughly ₹49.49 lakh.
Updated 2 October 2026
A step-up SIP increases your monthly instalment by a fixed percentage or amount every year — usually when your salary goes up. Most fund houses and platforms let you set this once when you start the SIP.
Because the extra money goes in earlier than a lump-sum top-up later, it has more years to compound.
| Year | Monthly SIP | Total invested | Value at year end |
|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹64,047 |
| 2 | ₹5,500 | ₹1,26,000 | ₹1,42,621 |
| 3 | ₹6,050 | ₹1,98,600 | ₹2,38,205 |
| 5 | ₹7,321 | ₹3,66,306 | ₹4,92,285 |
| 10 | ₹11,790 | ₹9,56,245 | ₹16,87,163 |
| 15 | ₹18,987 | ₹19,06,349 | ₹43,41,925 |
| 20 | ₹30,580 | ₹34,36,500 | ₹99,44,358 |
| Plan (20 years, 12%) | Total invested | Final value |
|---|---|---|
| Flat ₹5,000/month | ₹12,00,000 | ₹49,95,740 |
| ₹5,000 + 5% step-up | ₹19,83,957 | ₹68,68,812 |
| ₹5,000 + 10% step-up | ₹34,36,500 | ₹99,44,358 |
Step-up SIP me har saal aapki SIP ki rakam ek tay percent se badhti hai — jaise har saal 10%. Salary badhne ke saath SIP badhana sabse aasaan aadat hai. Upar ki table me dekhiye: 20 saal me flat SIP ke muqable step-up SIP lagbhag dugna corpus bana sakti hai.
The calculator adds each month’s instalment at the start of the month and compounds monthly at (annual return ÷ 12). After every 12 months the instalment increases by your step-up percentage. Results are estimates; actual fund returns vary.
Many investors match it to expected salary growth — 5% to 10% a year is common. Choose a rate you can sustain even in a year with a small raise.
It is the same investment, just with rising instalments. If you can afford the increases, it builds a much larger corpus for the same goal, or reaches the goal sooner.
₹5,000 SIP, 10% step-up, 20 saal, 12% return par lagbhag ₹49.49 lakh zyada corpus banta hai flat SIP ke muqable.
Usually yes — you can cancel the top-up instruction and continue the SIP at the current amount. Rules vary by platform.