Calculate returns from step-up SIP with annual top-up. Compare corpus vs regular flat SIP with bar chart and year-wise progression. Free top-up SIP calculator.
Step-by-step guide to get the most from this tool
Set your starting monthly investment amount (default ₹5,000).
Choose annual step-up rate (5–25%) and expected return (default 12%).
Select investment period from 5 to 30 years.
See final corpus, wealth gained, and bar chart comparison vs flat SIP.
What makes this tool stand out
SIP amount grows each year by your chosen step-up rate.
Side-by-side bar chart showing extra corpus earned.
Table showing monthly SIP and yearly investment.
Total invested, gains, and final corpus.
Monthly compounding with per-contribution remaining months.
Results recalculate instantly as you adjust sliders.
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Quick answers to common questions
A step-up SIP (also called top-up SIP) increases your monthly investment by a fixed percentage each year. For example, 10% annual step-up on ₹5,000/month grows to ₹5,500 in year 2, ₹6,050 in year 3, and so on.
A regular SIP invests the same amount every month. A step-up SIP increases annually, reflecting salary growth and boosting your final corpus significantly over long tenures.
Many investors use 5–15% annual step-up to match expected salary increments. Our calculator defaults to 10% — adjust based on your income growth expectations.
Over 10 years at 12% returns, a ₹5,000/month SIP with 10% annual step-up can earn ₹3–5 lakh more than a flat ₹5,000 SIP, depending on tenure and rate.
Yes. Most fund houses offer step-up SIP or top-up SIP facilities. You can also manually increase your SIP amount each year.
Equity mutual funds have historically returned 10–12% over long periods. Debt funds may yield 7–8%. Use conservative estimates for planning.
Step-up SIP automates disciplined increases. Both work — step-up SIP is easier to maintain as it happens automatically through your fund.
Each year's monthly SIP compounds monthly at the expected return rate. The formula sums every contribution multiplied by its remaining compounding months.
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M = Σ(year=1 to n) Σ(month=1 to 12) [monthly_sip_year × (1+r)^remaining_months]Each year the monthly SIP grows by the step-up rate. Every monthly contribution compounds at the monthly return rate (annual return ÷ 12) for the remaining months until maturity. This models a top-up SIP that increases annually — more realistic than a flat SIP.
| Symbol | Meaning |
|---|---|
| monthly_sip_year | Initial SIP × (1 + step-up%)^(year−1) |
| r | Monthly return rate (annual return ÷ 12) |
| remaining_months | Months left until end of investment period |