Step-Up SIP Calculator
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Step-Up SIP Calculator summary
Calculation schedule
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Step-up SIP calculator formula
A step-up SIP starts with one payment amount and raises it after each year. The calculator then grows every payment for the time it remains invested.
Payment in year 2 = starting payment × (1 + step-up %) Payment in year 3 = year 2 payment × (1 + step-up %) Rate for one period = (1 + yearly return)^(1 ÷ payments per year) − 1 Future value = add the grown value of every payment
A 10% step-up changes ₹10,000 to ₹11,000 in year two, then to ₹12,100 in year three.
The increase happens once a year in this calculator. It does not happen after every monthly payment.
Example with numbers
Start with ₹10,000 a month and raise it by 10% each year for 10 years. Total payments come to about ₹19,12,491. At a steady 12% yearly return with payments at the start of each month, the estimated value is about ₹32,68,898.
What is a step-up SIP calculator?
A step-up SIP, also called a top-up SIP, increases the regular investment over time. People often use it to test what may happen if their investment rises with their income.
The calculator does not assume that the larger payments will be easy to afford. It shows the payment for every year so you can judge the plan for yourself.
How to use the step-up SIP calculator
- Enter the starting investment and choose how often it will be paid.
- Enter the percentage increase to apply after each year.
- Add the investment time and expected yearly return.
- Calculate, then check the last payment, total invested and yearly schedule.
What the results mean
- Total invested: all increasing payments added together.
- Last regular payment: the payment used in the final year.
- Estimated gain: future value minus all payments.
- Estimated future value: the possible ending balance.
How this step-up SIP calculation works
The payment stays the same during one contribution year. When the next year starts, the chosen step-up is added. Each payment then receives its own period of growth.
This separates two reasons for a larger result: you paid more money, and that money may have earned a return.
Why a step-up SIP calculator is useful
- It shows how quickly the regular payment rises.
- It separates extra contributions from estimated market gain.
- It supports weekly, 15-day, monthly, quarterly and yearly payments.
- The yearly table can be saved or downloaded for comparison.
Why the real step-up SIP may be different
Your fund may allow a fixed rupee top-up, another date or different rules. You may also pause or miss an increase.
Market returns, NAV dates, costs and taxes are not steady. A high future payment may also become difficult even when the final estimate looks large.
Sources
- SEBI Investor: Increasing Contribution Calculator
- SEBI Investor: SIP Calculator
- AMFI: Systematic Investment Plan information
Rule and source review: Formula and cash-flow timing reviewed 31 August 2026. Return, step-up and inflation are user assumptions.
Disclaimer
This step-up SIP result is an illustration only. It does not promise a return or say that each future increase will be affordable. Check the fund rules, charges, taxes and your budget before acting.
Frequently asked questions
What is a step-up SIP?
It is a SIP where the regular investment rises at set times. This calculator applies a percentage increase once each year.
When does the SIP amount increase?
It increases after each completed contribution year in this calculator.
Can the step-up be zero?
Yes. A zero step-up gives the same payment pattern as a normal fixed SIP.
Is a step-up SIP return guaranteed?
No. The payments may rise, but the market return is still uncertain.
Why is total invested much more than the starting SIP?
Because the payment becomes larger every year after the step-up is applied.