Step-Up SIP Calculator - Top-Up SIP Planner
Visualise wealth when your SIP rises each year with your income-chart your invested total vs estimated gains, download or share the scenario, then align it with a real goal plan.
- Total invested
- Wealth gained
Total value
₹1,84,56,256
Total invested
₹68,73,000
Wealth gained
₹1,15,83,256
Total value
₹1,84,56,256
Projected step-up SIP returns year by year
@ 12% p.a. with 10% yearly step-up
| Year | Invested | Wealth gained | Total value |
|---|---|---|---|
| 2027 | ₹ 1,20,000 | ₹ 6,465 | ₹ 1,26,465 |
| 2028 | ₹ 2,52,000 | ₹ 28,752 | ₹ 2,80,752 |
| 2029 | ₹ 3,97,200 | ₹ 70,265 | ₹ 4,67,465 |
| 2030 | ₹ 5,56,920 | ₹ 1,34,966 | ₹ 6,91,886 |
| 2031 | ₹ 7,32,612 | ₹ 2,27,458 | ₹ 9,60,070 |
| 2032 | ₹ 9,25,873 | ₹ 3,53,078 | ₹ 12,78,951 |
| 2033 | ₹ 11,38,461 | ₹ 5,18,005 | ₹ 16,56,466 |
| 2034 | ₹ 13,72,307 | ₹ 7,29,379 | ₹ 21,01,686 |
| 2035 | ₹ 16,29,537 | ₹ 9,95,440 | ₹ 26,24,977 |
| 2036 | ₹ 19,12,491 | ₹ 13,25,681 | ₹ 32,38,172 |
| 2037 | ₹ 22,23,740 | ₹ 17,31,030 | ₹ 39,54,770 |
| 2038 | ₹ 25,66,114 | ₹ 22,24,048 | ₹ 47,90,162 |
| 2039 | ₹ 29,42,725 | ₹ 28,19,157 | ₹ 57,61,883 |
| 2040 | ₹ 33,56,998 | ₹ 35,32,902 | ₹ 68,89,900 |
| 2041 | ₹ 38,12,698 | ₹ 43,84,241 | ₹ 81,96,939 |
| 2042 | ₹ 43,13,968 | ₹ 53,94,880 | ₹ 97,08,847 |
| 2043 | ₹ 48,65,364 | ₹ 65,89,648 | ₹ 1,14,55,012 |
| 2044 | ₹ 54,71,901 | ₹ 79,96,926 | ₹ 1,34,68,827 |
| 2045 | ₹ 61,39,091 | ₹ 96,49,130 | ₹ 1,57,88,221 |
| 2046 | ₹ 68,73,000 | ₹ 1,15,83,256 | ₹ 1,84,56,256 |
Compare with a flat SIP.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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Step-up SIP calculator - annual SIP increase
A step-up SIP (top-up SIP) increases your monthly contribution each year-often aligned with salary hikes. This calculator illustrates wealth when both contributions and compounding work together. Compare with a flat SIP when reviewing goals like retirement or children’s education.
Why step-ups matter
Inflation and lifestyle creep make static SIPs feel smaller over time. Step-ups help maintain “real” savings rates without waiting for a large lumpsum later.
Frequently asked questions
What is a typical annual step-up?
Many investors start with 5–15% yearly increases, aligned with salary growth-but your cash flow should dictate the number.
Can I step up mid-year?
Some platforms allow SIP modifications; rules vary by AMC. Check your statement or advisor for the exact process.
Is a step-up SIP guaranteed to beat a flat SIP?
Not guaranteed. Step-ups increase contributions, which can improve outcomes in the model, but markets remain uncertain.
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