Step-Up SIP Calculator (Top-Up SIP)

Step 2

Your projection

Final corpus

Wealth multiplier

Total returns (incl. withdrawn)

01Corpus growth

Year over year

02Invested vs returns

Stacked, incl. withdrawn

InvestedReturns

03Year-by-year breakdown

Year	SIP (year)	Total invested	Withdrawn	Returns	Corpus

Illustration assumes monthly compounding at one-twelfth of the annual return. The accumulation return applies up to the withdrawal start year; the withdrawal-phase return applies after that. SIP instalments are invested at the start of each month, with annual step-ups at each year boundary. Monthly SWP withdrawals begin after the withdrawal start year and step up annually. "Returns" is cumulative and includes amounts already withdrawn. Figures are indicative only and are not a promise of future returns. Mutual fund investments are subject to market risks, read all scheme related documents carefully.

Want this plan built around your real numbers?

A calculator assumes one steady return. Real portfolios need the right funds, the right asset mix for each phase, and a withdrawal plan that is tax-aware.

Book a call ›WhatsApp us

Why a step-up SIP matters

A flat SIP stays the same for years while your salary rises. A step-up SIP, also called a top-up SIP, raises your monthly investment by a fixed percentage every year, so your savings grow with your income. The difference over 15 to 20 years is often dramatic.

Start where you are

Begin with an amount that fits your budget today, even if it feels small.

Step up every year

Raise the SIP by a fixed percentage each year, ideally tied to your annual increment.

Let it compound

Larger instalments in later years, plus compounding on everything before, build a much bigger corpus.

How the step-up is calculated

The SIP for each year rises by the step-up percentage:

SIP in year n = Starting SIP × (1 + step-up)^(n − 1)

Each instalment is invested at the start of the month and compounds monthly:

Corpus = (Corpus + SIP) × (1 + r ÷ 12)

The "Extra vs a flat SIP" figure runs the same plan without any step-up and shows the difference.

How much should I step up?

5% roughly keeps pace with inflation.
10% is a common choice that tracks typical salary increments.
15% or more suits early-career investors whose income is rising fast.

Frequently asked questions

What is a step-up SIP?

A step-up SIP, also called a top-up SIP, increases your monthly SIP by a fixed percentage every year. A 10% step-up on ₹10,000 means ₹11,000 a month in year two and ₹12,100 in year three.

Is a step-up SIP better than a regular SIP?

For the same starting amount, yes. Because you invest more each year, the final corpus is significantly larger. The calculator shows exactly how much extra the step-up adds.

What step-up percentage should I choose?

Many investors match it to their expected annual salary increase, typically 5% to 15%. Choose a figure you can sustain every year.

Can I step up my SIP with any mutual fund?

Most fund houses offer a top-up or step-up facility when you register the SIP. You can also start a new SIP each year for the extra amount.

Is the step-up applied monthly or yearly?

Yearly. The SIP stays the same for 12 months and then rises by the step-up percentage at the start of each new year.

Are these returns guaranteed?

No. The return you enter is an assumption for illustration. Mutual fund returns are market-linked and can be higher or lower. Taxes and fund expenses are not included.