Calculator
Step-up SIP Calculator
A SIP that grows each year — by a fixed percent or a fixed amount.
dhanmetrics.com · Educational illustration only · Not investment advice
Projected at year 20
₹1,98,88,715
That’s 2.9× your total contributions
What this means
Step-up SIPs match your raises, so each year's contribution feels the same relative to income. Your ₹10.0K/mo growing 10% annually reaches ₹2.0Cr in 20 years.
What if you…
Stepped up 15% instead of 10%
₹3.0Cr
+₹1.0Cr
Stayed 25 years instead of 20
₹4.2Cr
+₹2.2Cr
Earned 14% returns (+2%)
₹2.5Cr
+₹46.3L
Educational illustration. Assumes a constant return at the entered rate, compounded monthly, with the step-up applied at the start of each year. Actual mutual fund returns vary.
Adjust your scenario
Type, drag, or tap a chip — the result on the right updates instantly.
Inputs
A SIP that grows each year — model rising contributions as your income increases.
Your monthly SIP increases by this percent every year.
Include if you already have investments — they’ll grow alongside your stepped-up SIP.
Growth chart
How your wealth builds, year by year
Year 13 is the crossover — that’s when your compound growth quietly overtakes everything you’ve put in. After this point, your money earns more than you contribute.
Worked example
₹10,000/month SIP with 10% annual step-up, 15 years at 12%
Invested: ₹38,12,720 · Wealth gained: ₹44,40,430
A ₹10,000 SIP stepped up by 10% every year compounds to roughly ₹82.5 lakh in 15 years at 12% — about 64% more than a flat ₹10,000 SIP over the same period, with the same starting commitment.
Step-up applied at the start of each new year of the SIP.
Frequently asked questions
Real answers to the questions people search before using this calculator.
What is a step-up SIP?
A step-up (or top-up) SIP automatically increases your monthly investment by a fixed percentage every year — typically 10%. It mirrors how your salary grows, so the investment stays the same share of income while the absolute corpus compounds dramatically faster.
How much more wealth does a step-up SIP create vs a flat SIP?
A 10% annual step-up on a ₹10,000 SIP for 20 years at 12% creates roughly ₹1.7 crore — vs roughly ₹99 lakh from a flat ₹10,000 SIP. That's nearly 70% more corpus for the same starting commitment, because later contributions compound for fewer years but are much larger.
What's a realistic step-up percentage?
Match it to your expected annual salary hike — usually 8–12% for salaried Indians. Going above 15% is aspirational and often unsustainable. Below 5%, the step-up benefit is marginal. Set it once and let the AMC automate it every year.
Can I change or pause my step-up SIP later?
Yes. Most AMCs let you modify the step-up rate or pause incrementing for a year. You can also stop the SIP entirely without selling existing units. Flexibility is the same as a regular SIP — the auto-increment is just an add-on instruction.
Step-up SIP vs starting with a higher SIP — which is better?
Starting higher beats stepping up if you can sustain it. But most people can't — early-career income is lower. Step-up SIPs let you start at what you can afford today and grow contributions as income grows, capturing most of the upside without the early cash strain.
Is there a tax benefit on step-up SIPs?
Only if invested in ELSS funds — then each year's contribution qualifies for 80C deduction up to ₹1.5 lakh (Old Regime). Regular equity SIPs have no input-side tax benefit, only the favourable LTCG treatment on the output side.