Step-Up SIP Calculator
Calculate returns on Step-Up SIP where you increase your investment amount annually. Compare with regular SIP to see the extra wealth creation potential.
Step-Up SIP Calculator
Total Value with Step-Up
₹16,87,163
Total Invested
₹9.56 L
Est. Returns
₹7.31 L
Step-Up Advantage
Year-by-Year Breakdown
| Year | Monthly SIP | Invested | Returns | Total Value |
|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹1,27,588 | ₹1,87,588 |
| 2 | ₹5,500 | ₹1,26,000 | ₹2,44,710 | ₹3,70,710 |
| 3 | ₹6,050 | ₹1,98,600 | ₹3,50,873 | ₹5,49,473 |
| 4 | ₹6,655 | ₹2,78,460 | ₹4,45,520 | ₹7,23,980 |
| 5 | ₹7,321 | ₹3,66,306 | ₹5,28,027 | ₹8,94,333 |
| 6 | ₹8,053 | ₹4,62,937 | ₹5,97,694 | ₹10,60,630 |
| 7 | ₹8,858 | ₹5,69,230 | ₹6,53,739 | ₹12,22,969 |
| 8 | ₹9,744 | ₹6,86,153 | ₹6,95,290 | ₹13,81,443 |
| 9 | ₹10,718 | ₹8,14,769 | ₹7,21,376 | ₹15,36,145 |
| 10 | ₹11,790 | ₹9,56,245 | ₹7,30,918 | ₹16,87,163 |
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What is a Step-Up SIP?
A Step-Up SIP (also called Top-Up SIP) is a variant of SIP where you increase your monthly investment amount periodically — usually annually. This aligns with salary increments and helps you invest more as your income grows.
For example, if you start with ₹5,000/month and set a 10% annual step-up, your SIP becomes ₹5,500 in Year 2, ₹6,050 in Year 3, and so on.
Benefits of Step-Up SIP
- Aligns investment growth with income growth
- Significantly higher corpus compared to regular SIP
- Helps beat inflation naturally
- Reaches financial goals faster
- Small annual increases lead to massive long-term gains
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