₹ Financial Calculator
Step-Up SIP Calculator | Annual Increase SIP Calculation
Calculate the future value and total returns of a step-up SIP instantly by increasing your investment by an extra percentage every year. Raise your SIP along with your salary.
Step-Up SIP Calculator
Grow your wealth through a monthly investment that increases every year.
Frequently Asked Questions
What is a step-up SIP?
In a step-up (top-up) SIP, your monthly investment increases by a fixed percentage (say 10%) every year. Raising the investment along with your salary builds wealth much faster.
How much more does a step-up SIP give compared to a regular SIP?
Example: a ₹5,000 monthly SIP at 12% returns becomes about ₹11.6 lakh in 10 years; with a 10% step-up every year, it reaches about ₹15.3 lakh — with only ₹1.2 lakh of extra investment.
What percentage step-up should I keep?
Usually a 5–15% step-up is kept, matching annual salary growth. Check whether your fund house offers an automatic top-up facility.
Is there a maximum limit on monthly investment?
No, there is no upper limit on a monthly SIP; the minimum is usually ₹500. Test any amount and growth rate in this calculator.