Your salary rises every year — your SIP should too. A step-up SIP increases your monthly investment by a fixed percentage each year. See how much more you'd accumulate compared to a regular SIP that never changes.
Example: ₹10,000/month with a 10% yearly step-up at 12% return for 15 years grows to roughly ₹86.8 lakh — against about ₹50.5 lakh for a flat ₹10,000 SIP.
Starting with ₹10,000/month at 12% expected return:
| Duration | Regular SIP | 10% Step-Up SIP |
|---|---|---|
| 10 years | ₹23.2 lakh | ₹33.7 lakh |
| 15 years | ₹50.5 lakh | ₹86.8 lakh |
| 20 years | ₹99.9 lakh | ₹1.99 crore |
| 25 years | ₹1.90 crore | ₹4.28 crore |
Figures are approximate and assume a steady 12% return. Notice how the gap widens with time — at 25 years the step-up SIP produces roughly double.
A SIP where the monthly investment automatically increases by a set percentage every year, instead of staying the same throughout.
Match it to your expected annual salary increment — 5% to 10% works for most people. Choose a figure you'll comfortably sustain even in a lean year.
Yes. Fund houses use different names — step-up SIP, top-up SIP, or SIP booster — but the mechanism is the same.
Usually yes. Most fund houses let you modify or cancel the step-up instruction, though the process varies. Check with your AMC or platform.
If you can afford a higher amount today, investing it now gives it more time to compound. The step-up is for when your capacity grows gradually with income.
Yes, the increased amount goes into the same scheme unless you set up a separate SIP. You can run multiple SIPs across funds if you prefer.
10%–12% is a common long-term planning figure for equity funds. Actual returns vary widely year to year and are never guaranteed.
No. These are market-linked investments. The calculator projects growth at a fixed assumed rate to help you plan — real outcomes will differ.
This calculator is for illustration only and does not predict actual returns. Market-linked investments carry risk. For investment decisions, consult a qualified financial advisor.
₹10,000 maasik SIP, 20 saal, 12% return — alag-alag step-up par:
| Saalana step-up | Kul nivesh | Maturity | Faayda |
|---|---|---|---|
| 0% (saada SIP) | ₹24 lakh | ≈ ₹99.9 lakh | — |
| 5% | ≈ ₹39.7 lakh | ≈ ₹1.48 crore | +₹48 lakh |
| 10% | ≈ ₹68.7 lakh | ≈ ₹2.28 crore | +₹1.28 crore |
| 15% | ≈ ₹1.23 crore | ≈ ₹3.62 crore | +₹2.62 crore |
10% step-up ke saath maturity do guna se zyada ho jaati hai. Aur ye burden nahi lagta — har saal SIP sirf utni badhti hai jitni salary badhti hai.
Official sources: SEBI