Step-Up SIP Calculator 2026
For mutual funds with increasing investments
Investment Summary
| Year | Year Investment | Total Investment | Est. Returns | Total Value |
|---|---|---|---|---|
| 1 | ₹1.00 L | ₹1.00 L | ₹6,744 | ₹1.07 L |
| 2 | ₹1.10 L | ₹2.10 L | ₹27,701 | ₹2.38 L |
| 3 | ₹1.21 L | ₹3.31 L | ₹66,008 | ₹3.97 L |
| 4 | ₹1.33 L | ₹4.64 L | ₹1.25 L | ₹5.89 L |
| 5 | ₹1.46 L | ₹6.11 L | ₹2.10 L | ₹8.20 L |
| 6 | ₹1.61 L | ₹7.72 L | ₹3.25 L | ₹10.96 L |
| 7 | ₹1.77 L | ₹9.49 L | ₹4.76 L | ₹14.25 L |
| 8 | ₹1.95 L | ₹11.44 L | ₹6.70 L | ₹18.13 L |
| 9 | ₹2.14 L | ₹13.58 L | ₹9.14 L | ₹22.72 L |
| 10 | ₹2.36 L | ₹15.94 L | ₹12.18 L | ₹28.12 L |
Popular Step-Up SIP Guides
Explore wealth acceleration and maturity corpus across popular monthly amounts and step-up percentages.
The Step-Up SIP Superpower: Aligning Annual Salary Increments with Wealth Acceleration
A flat SIP fails to account for career progression: as your income expands through promotions and appraisals, keeping your monthly investment static allows inflation and lifestyle creep to consume your surplus. A 10% annual step-up routinely doubles your 20-year terminal portfolio compared to a fixed monthly contribution.
Total Invested: ₹24.0 Lakhs | Wealth Gain: ₹75.91 Lakhs
Total Invested: ₹68.7 Lakhs | Wealth Gain: ₹1.22 Crores (Nearly 2X Corpus)
Step-up SIP formula, with your numbers
A step-up SIP raises the instalment once a year, usually in line with your salary. Because the later, larger instalments compound for less time, the extra corpus comes mostly from raising the amount early rather than steeply. The calculator runs each year's instalments separately rather than applying one average figure.
Step-Up SIP FAQs
Practical tips on setting up automated top-up investments.
How do I set up a Step-Up SIP with my mutual fund house or broker?
Most mutual fund platforms provide an automated "Top-Up SIP" or "Step-Up SIP" feature. You simply specify a percentage (e.g. 10%) or a fixed rupee increment (e.g. ₹1,000) and choose an annual or semi-annual frequency.
Can I place a ceiling cap on my maximum monthly Step-Up amount?
Yes. Modern mutual fund mandates allow you to configure an upper monthly limit (e.g. stop stepping up once the installment reaches ₹50,000/month), after which the SIP continues as a regular flat contribution.
Can I cancel the step-up feature while keeping my base SIP running?
Yes. You can modify or remove the annual step-up instruction through your investment dashboard at any time without terminating the base monthly SIP.
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