Step-up / top-up SIP
Step-Up SIP Calculator
Your salary rises every year — your SIP should too. See exactly how much more you'll have by increasing your SIP 5%, 10% or 15% a year, versus keeping it flat.
Educational tool — not investment advice. Figures are estimates based on your inputs, not predictions. Read the full disclaimer
Tap a preset, or use the inputs below. 10% roughly matches a typical annual increment.
Maturity value (nominal):
Real value of stepped-up corpus: ₹— · Your SIP in the final year: ₹—
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Why a step-up SIP beats a flat one
A flat SIP keeps the same contribution for decades, so it shrinks as a share of your rising income every year — you effectively save less in real terms over time. A step-up SIP raises your contribution at a set rate, usually annually, keeping your savings rate roughly constant as you earn more.
Because the extra amounts go in early enough to compound for years, even a 10% step-up can add a substantial sum versus a flat SIP — often the difference between comfortably hitting a goal and falling short. The comparison above shows the gap for your own numbers.
Which step-up rate should you choose?
A sensible default is to match your expected annual increment: if you expect roughly 10% raises, a 10% step-up keeps your savings rate steady. Pick the highest rate you can realistically sustain — a step-up you abandon is worse than a modest one you keep.
In shortA step-up SIP raises your instalment by a fixed percentage every year. At 12% a year, a flat ₹10,000 SIP for 15 years grows to about ₹47.1 lakh. Stepping it up 10% a year grows it to about ₹82 lakh, because the larger later instalments still have years to compound.
Questions
Frequently asked
What is a step-up or top-up SIP?
A SIP where you increase the monthly contribution by a fixed percentage each year, typically to match your rising income. It's also called a top-up SIP.
How much difference does a 10% step-up make?
It depends on your amount and horizon, but because the extra contributions compound for years, a 10% annual step-up often adds 30% or more to the final corpus versus a flat SIP with the same starting amount. The calculator shows the exact figure for your inputs.
Is 5%, 10% or 15% better?
Higher is better for your corpus, but only if you can sustain it. Match your step-up to your expected salary growth, and choose the highest rate you'll realistically maintain.
Does this account for tax and inflation?
Yes. The stepped-up result shows both the nominal corpus and its inflation-adjusted real value, with 12.5% LTCG applied.
Understand the concept: The Step-Up (Top-Up) SIP Strategy, in Depth · Step-Up SIP: Why Increasing Your SIP Matters