Step Up SIP Calculator
What raising your SIP a little every year does to the number at the end.
A step-up SIP raises your instalment by a fixed percentage each year. Rs 10,000 a month for 20 years at 12% builds about Rs 1 crore flat, but roughly Rs 2 crore with a 10% annual step-up, because each raise still gets years to compound.
How this is calculated
Year-by-year breakdown
Free step up SIP calculator for India and the US
A step-up SIP, also called a top-up SIP, raises your monthly instalment by a fixed percentage every year, usually matching your salary increment. It is the single highest-leverage change most investors can make, because it costs nothing today and compounds for decades.
The arithmetic is startling. A flat Rs 10,000 SIP for 20 years at 12% builds about Rs 1 crore. The same SIP with a 10% annual step-up builds roughly Rs 2 crore, because each year's raise gets nearly the full period to compound. You never feel the increase, since it arrives with your appraisal.
Flat SIP vs step-up SIP
| Monthly SIP | Step-up | Years | At 12% |
|---|---|---|---|
| Rs 10,000 | 0% | 20 | ~Rs 1.0 crore |
| Rs 10,000 | 5% | 20 | ~Rs 1.37 crore |
| Rs 10,000 | 10% | 20 | ~Rs 1.99 crore |
How much step-up should you set?
Set it to your realistic annual increment, not your best year. A 10% step-up on a 10% raise keeps your savings rate constant, which is the minimum that stops lifestyle inflation quietly eating every appraisal. Anything above your raise means your savings rate is rising, which is how people finish early.
Most Indian fund houses support a top-up mandate directly in the SIP registration, so it happens automatically. If yours does not, a calendar reminder in April does the same job.
This is the SIP calculator with the step-up field in front. To work backwards from a target instead, use the goal calculator; to measure a SIP you already run, use the XIRR calculator.
Key facts
| What it does | Raises the monthly instalment by a set percentage each year |
|---|---|
| Typical step-up | 5 to 10%, matched to salary increments |
| Effect over 20 years at 12% | A 10% step-up roughly doubles the corpus against a flat SIP |
| Also called | Top-up SIP |
How to use the Step Up SIP Calculator
- Enter your current monthly SIP amount.
- Set the number of years and your expected annual return.
- Set the annual step-up percentage, usually matching your expected salary increment.
- Turn on inflation to see the corpus in today's purchasing power.
- Turn on the tax estimate to see the LTCG and STCG you would owe on redemption.
- Set the step-up back to 0% to compare it against a flat SIP.
Sources
Last reviewed and updated: 23 August 2026. Estimates only, not financial or tax advice.
Frequently asked questions
What is a step up SIP?
A SIP that increases by a fixed percentage every year, usually on the anniversary of the first instalment. It is also called a top-up SIP, and most Indian fund houses let you register it as an automatic mandate.
How much more does a step up SIP give?
A lot. Rs 10,000 a month for 20 years at 12% builds about Rs 1 crore flat, Rs 1.37 crore with a 5% annual step-up, and about Rs 1.99 crore with 10%. The early raises get the most time to compound, so starting the step-up early matters more than the size of it.
What step-up percentage should I choose?
Match your realistic annual salary increment, typically 5 to 10%. That keeps your savings rate constant instead of letting lifestyle inflation absorb every appraisal. Going above your raise means your savings rate is actively rising.
Is a step up SIP better than increasing the SIP manually?
Only in that it actually happens. A registered top-up mandate removes the decision from a month when you would rather not make it. Financially the two are identical.
Is this step up SIP calculator free?
Yes, free with no sign-up or ads, for both India and the US.