Step-Up SIP Calculator
Estimate the effect of increasing your SIP amount by a fixed percentage every year.
The monthly amount increases by the step-up percentage at the start of each year. Instalments are invested at the start of each month.
Amount invested
₹38,12,698
Estimated gains
₹48,71,152
Estimated value
₹86,83,849
Growth over time (illustrative)
Step-up vs flat SIP (same assumptions)
Flat SIP of ₹10,000
₹50,45,760
Invested ₹18,00,000
Step-up SIP
₹86,83,849
Final-year monthly instalment ₹37,975
How this works
A step-up (or top-up) SIP increases the monthly instalment once a year, typically in line with income growth. This calculator raises the monthly amount by the step-up percentage at the start of each new year.
Each instalment is assumed to be invested at the start of the month and compounded monthly at the expected annual rate you enter.
Comparing a step-up SIP with a flat SIP helps you see how gradually increasing contributions can change the final corpus under the same assumptions.
Step-up percentages and return rates are assumptions; actual investment outcomes depend on market conditions.
The results shown are illustrative estimates based on the assumptions you enter and are not a guarantee of future returns. Actual returns may be higher or lower. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past performance does not guarantee future returns. These tools are for educational purposes only and do not constitute investment advice or a recommendation of any product. WealthBay is an AMFI-registered Mutual Fund Distributor (ARN 29566).
Turn Estimates into a Personalised Plan
Calculators show what is possible under a set of assumptions. Our team can help you review your goals, risk appetite and existing investments in a free, no-obligation conversation.