Investment calculator

Step-up SIP

SIP that increases by a fixed % every year. Adjust the sliders or type exact values — results update instantly.

Your inputs

Starting monthly SIP

Annual step-up

Expected return rate

Time period

Future value

₹2,17,09,624

≈ ₹2.17 Cr

Total invested₹95,31,745
Estimated gains₹1,21,77,879

Total invested: ₹95,31,745
Estimated gains: ₹1,21,77,879
Extra vs flat SIP: ₹90,95,224

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. PlusFinance distributes mutual funds as an AMFI-registered distributor (ARN-325664); figures shown on this site are illustrative and not a promise of returns. The return rate in this calculator is your own assumption, not a forecast.

How it works

How the Step-up SIP calculator works

A Step-up (or Top-up) SIP increases your monthly investment by a fixed percentage every year, rather than keeping it flat for the entire tenure. Since most people’s income rises over time, stepping up the SIP in line with income growth lets you invest more without feeling a bigger pinch each year, while meaningfully growing your final corpus.

This calculator compares your step-up SIP against an equivalent flat SIP (same starting amount, same rate, same tenure) so you can see exactly how much extra corpus the annual increase adds.

FAQ

Frequently asked questions

What is a step-up SIP?

A step-up SIP is a SIP where the instalment amount automatically increases by a chosen percentage every year, instead of staying fixed for the whole investment period.

How much should I step up my SIP by?

A common approach is to tie the step-up percentage to your expected annual salary increment (commonly 5–10% per year), so the additional investment doesn’t strain your budget.

Does a step-up SIP really make a big difference?

Yes, especially over longer tenures — because the increases compound as well, a modest annual step-up can meaningfully increase your final corpus compared to a flat SIP of the same starting amount. See the "Extra vs flat SIP" figure in your result for the exact difference.

Keep exploring

Related calculators

All calculators

Want a plan behind the numbers? See how PlusFinance helps with mutual fund advisory.

Mutual fund advisory

Turn the estimate into a plan.

A calculator gives you a number. A PlusFinance advisor helps you choose the right products, set the amounts and review them as life changes.

Explore the dashboard