RapidCheck

Step-Up SIP Calculator

See how increasing your SIP each year grows your corpus.

Last updated: 8 Aug 2026

Quick answer

A step-up SIP raises your monthly amount by a fixed percentage every year, so it beats a flat SIP. For example, starting at ₹10,000/month with a 10% annual step-up at 12% for 10 years grows to about ₹33.7 lakh — well above a flat SIP's ₹23.2 lakh. Enter your figures above to project.

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A step-up (top-up) SIP increases your monthly investment by a set percentage every year — usually in line with salary growth. Because you invest more over time, the final corpus is significantly larger than a flat SIP.

How to calculate step-up SIP returns

  1. 1 Enter your starting monthly SIP.
  2. 2 Enter the annual step-up percentage.
  3. 3 Enter your expected return and tenure.
  4. 4 See the projected value, total invested and estimated gains.

Frequently asked questions

What is a step-up SIP?
A SIP where the monthly amount automatically increases by a fixed percentage each year, helping you invest more as your income grows.
Why does a step-up SIP beat a flat SIP?
Because the invested amount rises every year, more money compounds for longer, producing a bigger final corpus.
What step-up should I choose?
A common choice is 5–10% a year, roughly matching salary increments; higher step-ups build wealth faster.

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