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Increase your SIP every year and see how your wealth can grow faster.
Calculate My Step-Up SIPIllustration only — returns are not guaranteed
See how your invested amount and estimated value grow year after year.
How your monthly SIP steps up and what it could grow into.
| Year | Monthly SIP | Annual Investment | Total Invested | Estimated Value |
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A Step-Up SIP (also called a top-up SIP) allows an investor to increase the SIP contribution periodically, usually every year. As income increases over time, the investor can gradually increase the monthly investment instead of keeping the SIP amount fixed.
Instead of committing to a large amount from day one, you start with an amount that is comfortable today and let it rise in small, planned steps.
Because the contribution keeps rising, the total amount invested over the tenure is higher than a fixed SIP — and that higher contribution can potentially create a larger long-term corpus. The rate of return on each rupee, however, is not guaranteed and is not changed by stepping up.
Four simple reasons investors use an annual step-up in their SIP.
Increase your investment as your income grows, in small and manageable steps.
Higher contributions can potentially create a larger long-term corpus.
Convert part of your future income growth into investments instead of spending it all.
Automated annual increases can make long-term investing simpler and more consistent.
A simple side-by-side comparison to help you decide what suits your cash flow.
Best suited if your income is steady and you prefer a fixed monthly outflow.
Important: a larger corpus here comes from investing more money — not from a higher rate of return. The return on each rupee invested remains market-linked.
“Your income may grow over the years. Your investments can grow with it. A Step-Up SIP helps you gradually increase your contribution instead of waiting to invest a large amount later.”
Quick answers about Step-Up SIP investing.
A Step-Up SIP (also called a top-up SIP) is a mutual fund SIP in which you increase your monthly contribution by a fixed percentage at regular intervals, usually every year. It allows your investment to grow along with your income instead of staying fixed for the entire tenure.
You start with a base monthly SIP amount. Every year the contribution is increased by the chosen step-up percentage. For example, a ₹5,000 monthly SIP with a 10% annual step-up becomes ₹5,500 in year 2, ₹6,050 in year 3 and so on. Each increased instalment is invested in the same scheme.
There is no single “best” number. A step-up of 5% to 10% per year is commonly used because it roughly tracks income growth and inflation. Choose a percentage you can comfortably sustain — a smaller step-up that you continue is usually better than a large one you have to stop.
Yes. Most mutual fund platforms and AMCs allow you to register a top-up or step-up instruction, so the increase happens automatically on a chosen date. You can also increase your SIP manually whenever your income rises.
Not in terms of the rate of return — the return earned on each rupee invested is the same. The difference is the contribution: because you invest more each year, a Step-Up SIP can potentially accumulate a larger corpus than a fixed SIP over the same period. Whether that suits you depends on your cash flow and goals.
No. The calculator uses an assumed rate of return to illustrate a possible outcome. Mutual fund returns are market-linked and are not guaranteed. Actual returns may be higher or lower than the illustration.
The calculator simulates month by month. Each monthly instalment is compounded at the assumed monthly rate (annual return ÷ 12) until the end of the tenure. The monthly instalment itself increases every 12 months by the step-up percentage. All the compounded instalments are added together to arrive at the estimated future value.
This calculator provides an illustrative estimate based on the inputs provided and an assumed rate of return. Mutual fund investments are subject to market risks. Actual returns may vary and are not guaranteed. This calculator should not be considered investment advice or a guarantee of future performance. Investors should consider their financial goals, risk profile and applicable scheme documents before investing.