Step-up SIP calculator

Calculate returns on a SIP that increases every year by a fixed percentage.

Last reviewed: August 2026 · Figures are estimates for general planning only — see the explanation below for this calculator's specific assumptions.

Invested: ₹19,12,491 (57%)Returns: ₹14,61,835 (43%)

How this grows over time

if you start an SIP at ₹10,000 a month, increasing it by 10% every year for 10 years at an expected 12% return, it grows to about ₹33,74,326 — ₹14,61,835 in estimated returns on ₹19,12,491 invested. Compare this against a regular SIP with no yearly increase

What is a step-up SIP?

A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year, so your contributions grow in line with your income — this typically builds a meaningfully larger corpus than a flat SIP of the same starting amount, since later years contribute more while still benefiting from long compounding on the earlier, smaller instalments.

Also known as an incremental SIP or top-up SIP — same idea, different names people search for it by.

Frequently asked questions

How much more does a step-up SIP earn compared to a flat SIP?

It depends on the step-up percentage and tenure, but a 10% annual step-up over 10+ years typically builds a noticeably larger corpus than a flat SIP of the same starting amount, since your invested amount grows faster than a flat SIP even though the earlier, smaller instalments compound for longer.

Common questions answered

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