Step-up SIP calculator for Indian investors: increase your SIP by 5-10% yearly, see final corpus, XIRR, and compare with flat SIP to plan long-term wealth.
This tool is being upgraded to our new faster interface. The full calculator remains available and all of your existing links keep working.
A step-up (or top-up) SIP increases your monthly SIP amount by a fixed percentage every year, so your investment grows in line with your income instead of staying flat.
Most planners use 5–15% yearly. A common starting point matches your expected annual increment — 10% is a widely used conservative assumption.
It depends on tenure and returns — over 15–20 years a 10% annual step-up commonly produces roughly 1.5× to 2× the corpus of a flat SIP on the same starting amount. Use the calculator above for your exact numbers.
Most AMCs and platforms (Groww, Zerodha Coin, Kuvera, MF Utility) let you register an annual top-up mandate at purchase time; otherwise you can manually start a new SIP each year.
AMCs typically require the top-up to be in multiples of ₹500 or ₹1,000, differing per scheme. Check the scheme's step-up facility terms.
The calculator shows nominal corpus. If you want a real (inflation-adjusted) target, use our main SIP calculator's inflation-adjustment mode with your own inflation assumption.
If you can afford a higher SIP today, investing more from the start wins because money compounds longer. Step-up is for when today's budget is limited but income is expected to grow.
Yes — registered top-up mandates can usually be cancelled or modified; the base SIP itself continues. Check your AMC's rules for notice periods.
Historically diversified equity funds in India have delivered roughly 10–12% annualised over long periods, but returns are not guaranteed. Run the plan at a conservative rate first.
Yes — the InstaCalc step-up SIP calculator is completely free, works in your browser, and includes a year-wise projection you can download as CSV.
