🚀 Step-Up SIP Calculator
See how increasing your SIP a little every year multiplies your final corpus.
📈 Ready to start or step up your SIP? Open a free account in minutes.
📣 Join Free Telegram Open a Free Investment Account →What is a step-up SIP?
A step-up SIP (also called top-up SIP) increases your monthly investment by a fixed percentage every year — usually matching your salary increment. Start at ₹5,000/month and step up 10% yearly: year 2 becomes ₹5,500, year 3 ₹6,050, and so on.
The effect is dramatic because the LARGER contributions come in your later years and every increase compounds. A 10% annual step-up can add 40–60% more wealth over 15–20 years compared with a flat SIP — from money you'd barely miss, since your income grows too.
How this calculator works
It simulates every month: your money grows at the monthly rate, your contribution is added, and once every 12 months the contribution increases by your step-up percentage. It then compares against the same SIP without any step-up.
Frequently Asked Questions
- Is a step-up SIP better than a normal SIP?
- If your income grows every year, almost always yes — you invest more when you can afford more, and the final corpus is far larger. The comparison line above shows exactly how much extra.
- Can I set up automatic step-up with my fund house?
- Yes — most mutual fund platforms and AMCs offer a "top-up SIP" option where the increase happens automatically every year. You can also do it manually.
- Is this calculator free?
- Yes — 100% free, no sign-up, runs entirely in your browser.
More free calculators
⚠️ This calculator is for educational and estimation purposes only and is not investment advice. AI360Trading is not SEBI registered. Market returns are not guaranteed.