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Home›Calculators›Step Up SIP Calculator
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Step Up SIP Calculator

Calculate returns with annual SIP increment

₹5,000
₹500₹1,00,000
10%
1%50%
12%
1%30%
10 yrs
1 yrs30 yrs
Total Invested₹9,56,245
Est. Returns₹64,493
Maturity Value₹10,20,738
Invested (94%)
Returns (6%)

What is Step Up SIP Calculator?

A Step Up SIP calculator estimates returns when you increase your SIP amount by a fixed percentage every year. Also called Top Up SIP, it aligns your investments with your income growth. Most people get a salary hike of 10% annually — by stepping up your SIP by the same amount, you invest more as you earn more, dramatically accelerating your wealth creation without feeling the pinch.

📐 Formula Used

Each year's SIP = Previous year SIP × (1 + step-up rate)
The final corpus sums up returns from each year's SIP using compound growth.

📖 How to Use

Enter your starting monthly SIP, annual step-up percentage, expected return, and duration. Compare the result with a flat SIP to see the additional wealth from stepping up.

Frequently Asked Questions

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