Step-up SIP calculator

A step-up (or top-up) SIP is a systematic investment plan where you automatically increase your monthly contribution by a fixed percentage every year — typically in line with your annual salary hike. Instead of investing the same amount for 20 years, you invest a little more each year, which dramatically grows your final corpus thanks to compounding on the larger contributions.

Each monthly SIP is assumed to be invested at the start of the month and to compound at the expected annual return divided by 12. In year one you invest your starting amount; in year two it rises by the step-up percentage, and so on each year. The calculator runs this month by month for the full period to arrive at the maturity value, the total invested and the year-by-year growth.

For most salaried investors, yes. Because your income usually rises every year, a flat SIP effectively shrinks as a share of your salary over time. Stepping up keeps your investing proportional to your earnings and, as the comparison on this page shows, can build 50–100% more wealth than a flat SIP that started with the same amount — without ever feeling like a big sacrifice.

A common, realistic choice is 10% per year, roughly matching average salary growth. If you expect larger raises early in your career, you might pick 12–15%; if your income is stable, 5–8% is sensible. Use the slider to try a few values — even a modest step-up makes a visible difference over long horizons.

Yes. Turn on the inflation adjustment to see your maturity value in today’s money. A corpus of ₹3 crore in 25 years may sound large, but at 6% inflation its real purchasing power is far lower. Planning in real terms keeps your goals honest.

No. SIPs are usually invested in market-linked mutual funds, so the expected return you enter is an assumption, not a promise. Actual returns vary year to year and can be negative in some periods. Treat the projection as a planning estimate, and revisit it as your investments and income change.