Step-Up SIP Calculator
See how increasing your SIP annually can supercharge your wealth.
Results
Step-Up SIP corpus
₹86.84 L
Flat SIP corpus
₹50.46 L
Extra wealth from step-up
+₹36.38 L
Flat SIP invested
₹18.00 L
Step-Up SIP invested
₹38.13 L
Year-by-year comparison
| Year | SIP/mo | Flat | Step-Up |
|---|---|---|---|
| 1 | ₹10,000 | ₹1.28 L | ₹1.28 L |
| 2 | ₹11,000 | ₹2.72 L | ₹2.85 L |
| 3 | ₹12,100 | ₹4.35 L | ₹4.76 L |
| 4 | ₹13,310 | ₹6.18 L | ₹7.07 L |
| 5 | ₹14,641 | ₹8.25 L | ₹9.85 L |
| 6 | ₹16,105 | ₹10.58 L | ₹13.16 L |
| 7 | ₹17,716 | ₹13.20 L | ₹17.10 L |
| 8 | ₹19,487 | ₹16.15 L | ₹21.76 L |
| 9 | ₹21,436 | ₹19.48 L | ₹27.27 L |
| 10 | ₹23,579 | ₹23.23 L | ₹33.74 L |
| 11 | ₹25,937 | ₹27.46 L | ₹41.35 L |
| 12 | ₹28,531 | ₹32.23 L | ₹50.24 L |
| 13 | ₹31,384 | ₹37.59 L | ₹60.64 L |
| 14 | ₹34,523 | ₹43.64 L | ₹72.75 L |
| 15 | ₹37,975 | ₹50.46 L | ₹86.84 L |
Track your step-up SIP progress in FlowTrack
Add your SIP investments as assets in FlowTrack and track how stepping up each year accelerates your net worth.
Try FlowTrack free →This is an estimate for planning purposes only and does not constitute financial advice.
What is a Step-Up SIP and why should you use one?
A Step-Up SIP (also called a Top-Up SIP) is a systematic investment plan where you increase your monthly contribution by a fixed percentage every year. For example, if you start with a SIP of ₹10,000 and step up by 10% annually, your SIP becomes ₹11,000 in year 2, ₹12,100 in year 3, and so on.
The logic is simple: as your income grows each year, your investments should grow too. Most people get annual raises of 8-15%, and channeling even a portion of that raise into higher SIPs can dramatically boost your long-term wealth. The difference between a flat SIP and a step-up SIP over 15-20 years can be crores.
This calculator shows the exact difference between a flat SIP and a step-up SIP with your chosen annual increase. Use it to see how small yearly increments compound into significantly larger wealth over time.