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Step-up SIP Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
%
%
10 years
1 years40 years
Verified formula Private

Maturity value

₹16,87,163

Total invested
₹9,56,245
Estimated returns
₹7,30,918
YearMonthly SIPInvestedValueGain
1₹5,000₹60,000₹64,047₹4,047
2₹5,500₹1,26,000₹1,42,621₹16,621
3₹6,050₹1,98,600₹2,38,205₹39,605
4₹6,655₹2,78,460₹3,53,661₹75,201
5₹7,321₹3,66,306₹4,92,285₹1,25,979
6₹8,053₹4,62,937₹6,57,867₹1,94,930
7₹8,858₹5,69,230₹8,54,764₹2,85,533
8₹9,744₹6,86,153₹10,87,978₹4,01,824
9₹10,718₹8,14,769₹13,63,250₹5,48,482
10₹11,790₹9,56,245₹16,87,163₹7,30,918
View chart data
invested_cumcorpus
16000064046.64
2126000142620.66
3198600238204.97
4278460353661.4
5366306492285.2
6462936.6657867.04
7569230.26854763.58
8686153.291087977.78
9814768.611363250.25
10956245.481687163.13

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Step-up SIP Calculator

The Step-up SIP Calculator works out your maturity value, along with 2 related figures in an instant. Enter monthly investment, expected return (p.a.) and annual step-up and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the monthly investment.
  2. Enter the expected return (p.a.).
  3. Enter the annual step-up.
  4. Set the time period.
  5. Read off your maturity value, together with total invested and estimated returns — the calculator updates automatically, with no button to press.

Worked example

For example, with monthly investment of ₹5,000, expected return (p.a.) of 12%, annual step-up of 1% and time period of 10 years, the maturity value is ₹16,87,163.

Inputs used
Monthly investment ₹5,000
Expected return (p.a.) 12%
Annual step-up 1%
Time period 10 years
Results
Maturity value ₹16,87,163
Total invested ₹9,56,245
Estimated returns ₹7,30,918

Results are estimates for educational use, not professional advice.

Key terms explained

SIP
Systematic Investment Plan — investing a fixed amount at regular intervals, typically monthly.
Maturity
The point at which an investment or deposit ends and its full value becomes payable.

Frequently asked questions

A step-up or top-up SIP automatically increases your monthly investment by a fixed percentage each year, usually in line with your rising income, so your corpus grows much faster than a fixed SIP.

Each year the monthly amount rises by the step-up percentage. This calculator compounds every year's contributions monthly at the expected return and carries the balance forward year after year.

For the same starting amount, a step-up SIP builds a larger corpus because you invest more over time. It is a simple way to align investing with annual salary increments.

No. The expected return is an assumption; market-linked returns vary. The figure is an estimate for planning and excludes expense ratios, exit loads and taxes.

Enter the monthly investment. Enter the expected return (p.a.). Enter the annual step-up. Set the time period. Read off your maturity value, together with total invested and estimated returns — the calculator updates automatically, with no button to press.

SIP Investing in India: The Complete Beginner's Guide

Everything you need to start a Systematic Investment Plan — how SIPs work, choosing your monthly amount, step-up SIPs, SIP versus lumpsum, taxation and the mistakes to avoid — with worked examples.

4 min read

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