# Step-up SIP Calculator

Enter your starting monthly SIP, the percentage you will raise it by each year, the expected return and the period.

Live calculator: https://calc.softool.in/step-up-sip-calculator

## 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.

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Source: https://calc.softool.in/step-up-sip-calculator
Last reviewed: October 2026. Results are estimates, not financial advice.