Step Up SIP Calculator — Grow Your SIP With Your Salary
Calculate how much more wealth you build by increasing your SIP amount every year. Compare step-up SIP vs flat SIP side by side.
10% step-up means your SIP increases by 10% each year with your salary
Step-Up SIP Corpus
₹99,44,358
+₹49.5L more than flat SIP (+99%)
| Flat SIP | Step-Up SIP | |
|---|---|---|
| Total Invested | ₹12,00,000 | ₹34,36,500 |
| Wealth Gained | ₹37,95,740 | ₹65,07,858 |
| Final Corpus | ₹49,95,740 | ₹99,44,358 |
Year-wise Growth (20 years)
| Year | Monthly SIP | Flat Corpus | Step-Up Corpus |
|---|---|---|---|
| 1 | ₹5,000 | ₹64K | ₹64K |
| 2 | ₹5,500 | ₹1.4L | ₹1.4L |
| 3 | ₹6,050 | ₹2.2L | ₹2.4L |
| 4 | ₹6,655 | ₹3.1L | ₹3.5L |
| 5 | ₹7,321 | ₹4.1L | ₹4.9L |
| 6 | ₹8,053 | ₹5.3L | ₹6.6L |
| 7 | ₹8,858 | ₹6.6L | ₹8.5L |
| 8 | ₹9,744 | ₹8.1L | ₹10.9L |
| 9 | ₹10,718 | ₹9.7L | ₹13.6L |
| 10 | ₹11,790 | ₹11.6L | ₹16.9L |
| 11 | ₹12,969 | ₹13.7L | ₹20.7L |
| 12 | ₹14,266 | ₹16.1L | ₹25.1L |
| 13 | ₹15,692 | ₹18.8L | ₹30.3L |
| 14 | ₹17,261 | ₹21.8L | ₹36.4L |
| 15 | ₹18,987 | ₹25.2L | ₹43.4L |
| 16 | ₹20,886 | ₹29.1L | ₹51.6L |
| 17 | ₹22,975 | ₹33.4L | ₹61.1L |
| 18 | ₹25,272 | ₹38.3L | ₹72.1L |
| 19 | ₹27,800 | ₹43.8L | ₹84.8L |
| 20 | ₹30,580 | ₹50L | ₹99.4L |
Free: Indian Salary Tax Cheatsheet 2026-27
New regime slabs, old regime deductions, PT by state — one page, print-ready.
How to Use Step Up SIP Calculator
-
Enter your current monthly SIP
Enter the amount you invest or plan to invest every month.
-
Set the annual step-up %
Choose how much you will increase your SIP each year. A 10% step-up matches a typical annual salary increment.
-
Enter expected return and tenure
Use 12% as a historical equity mutual fund average. Set your investment horizon.
-
Compare with flat SIP
See how much more wealth the step-up approach builds compared to keeping the SIP flat.
Related Tools
Frequently Asked Questions
What is a Step-Up SIP?
A Step-Up SIP (also called Top-Up SIP) is a systematic investment plan where you increase your monthly SIP amount by a fixed percentage every year. For example, if you start with ₹5,000/month and choose a 10% annual step-up, you invest ₹5,000 in year 1, ₹5,500 in year 2, ₹6,050 in year 3, and so on.
How much more does a Step-Up SIP generate vs a flat SIP?
Significantly more. A ₹5,000/month flat SIP at 12% for 20 years gives approximately ₹49.9 lakh. The same SIP with a 10% annual step-up gives approximately ₹1.12 crore — more than double — because your investments compound on a growing base.
What step-up percentage should I choose?
Most financial planners suggest matching your annual salary increment — typically 8-12%. Even a modest 5% step-up substantially improves your long-term corpus. Starting lower is fine; consistency matters more than the exact percentage.
Is the step-up SIP available in all mutual funds?
Yes — all major AMCs (Groww, Zerodha, Paytm Money, MF Central) support SIP top-up features. You can set it up during SIP registration or modify an existing SIP.
PushDraft Weekly
Get weekly salary tips, tax updates, and new tools. Free, no spam, unsubscribe anytime.