How to use the Step-up SIP Calculator
- Fill in Starting monthly SIP, Yearly step-up, Expected return and Time period. Type a number or drag the slider.
- The result appears straight away and changes as you type. There is no button to press.
- Use the worked example, table and formula below to check the result or compare other values.
Worked example
A SIP starting at ₹5,000 a month and raised by 10% every year grows to about ₹16,87,163 in 10 years at an assumed 12% a year. The same SIP without a step-up reaches about ₹11,61,695.
Quick answers
- How much will a step-up SIP starting at ₹2,000 a month be worth in 10 years?With a 10% yearly step-up and an assumed 12% return, a SIP starting at ₹2,000 a month grows to about ₹6,74,865 in 10 years.
- How much will a step-up SIP starting at ₹5,000 a month be worth in 10 years?With a 10% yearly step-up and an assumed 12% return, a SIP starting at ₹5,000 a month grows to about ₹16,87,163 in 10 years.
- How much will a step-up SIP starting at ₹10,000 a month be worth in 10 years?With a 10% yearly step-up and an assumed 12% return, a SIP starting at ₹10,000 a month grows to about ₹33,74,326 in 10 years.
- How much will a step-up SIP starting at ₹25,000 a month be worth in 10 years?With a 10% yearly step-up and an assumed 12% return, a SIP starting at ₹25,000 a month grows to about ₹84,35,816 in 10 years.
Step-up SIP table: 10% yearly increase at 12% a year
Estimated value when the SIP rises 10% every year. The 12% return is an assumption, not a promise.
| Starting monthly SIP | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|
| ₹2,000 | ₹6,74,865 | ₹17,36,770 | ₹39,77,743 | ₹85,51,092 |
| ₹5,000 | ₹16,87,163 | ₹43,41,925 | ₹99,44,358 | ₹2,13,77,731 |
| ₹10,000 | ₹33,74,326 | ₹86,83,849 | ₹1,98,88,715 | ₹4,27,55,461 |
| ₹25,000 | ₹84,35,816 | ₹2,17,09,624 | ₹4,97,21,789 | ₹10,68,88,653 |
How it is calculated
SIP in year y = starting SIP × (1 + step-up)^(y − 1), each instalment growing at the monthly return
The SIP amount stays the same for 12 months, then rises by the step-up percentage, and so on each year. Every instalment earns the monthly return for as long as it stays invested.
A step-up works well because your income usually rises too. The return is an assumption and is not guaranteed.
Good to know
- Match the step-up to your expected pay rise so the SIP never feels heavier.
- Even a 5% step-up makes a visible difference over 15 to 20 years.
- Set the step-up to happen automatically. Most fund houses offer a top-up option.
Common questions
What is a step-up or top-up SIP?
It is a SIP where the monthly amount increases automatically by a fixed percentage or amount, usually once a year.
How much step-up should I choose?
Many people match it to their expected yearly pay rise, for example 5% to 10%. Even a small step-up makes a large difference over 15 or 20 years.
Is a step-up SIP better than a normal SIP?
It builds a larger amount because you invest more each year. It is only better if you can afford the rising instalments.
Can I step up by a fixed amount instead of a percentage?
Yes. Most fund houses let you top up by a fixed rupee amount or a percentage. This calculator uses a percentage.
Formula and text last reviewed in October 2026. Results are estimates, not financial advice.