Securing Hannav Ledger...
Securing Hannav Ledger...
Calculate Step-Up SIP returns in India with annual top-up. See how raising your SIP with salary hikes grows wealth faster than a flat SIP.
Enter variables to compute real-time projections
38,12,700.83
₹48,71,121
86,83,822.23
127.76
FV = P * [((1 + i)^n - 1) / i] * (1 + i) * [(F^Y - (1+g)^Y) / (F - (1+g))]Step-Up SIP future value with annual contribution growth.
A Step-Up SIP (top-up SIP) automatically increases your mutual fund contribution every year — typically 5–15% — so your investing keeps pace with salary hikes and inflation. Use this calculator to compare a growing SIP against a flat SIP over 10–20 years with ₹ examples.
Each year’s contributions are compounded to the end of the tenure at your expected return. The installment grows by the step-up rate annually. Total invested is the sum of increasing contributions; wealth gained is maturity minus invested amount.
₹10,000/month starting SIP, 12% return, 10% annual step-up, 15 years: invested amount and maturity are substantially higher than a flat ₹10,000 SIP. Align step-up with appraisal season (April–July for many Indian employers).
Equity mutual fund redemptions follow LTCG/STCG rules (12.5% LTCG above ₹1.25 lakh after 1 year; 20% STCG within 1 year). ELSS SIPs may qualify for Section 80C under the Old Regime.
Prefer step-up if you expect rising income. Prefer flat SIP if cash flow is tight or you already invest surplus separately. Also try the [Goal SIP Calculator](/calculators/goal-sip-calculator) for reverse planning.