Free Finance Tool
Step Up SIP Calculator
See how increasing your SIP by 10-20% each year dramatically boosts your returns.
Maturity Value
₹0
₹0
Total Invested
₹0
Returns
Step Up SIP Calculator: Supercharge Your Mutual Fund Returns
Our step up SIP calculator shows how increasing your SIP amount annually can dramatically boost your wealth creation. A step up SIP automatically increases your monthly investment by a fixed percentage every year, matching your salary growth.
The increasing SIP calculator compares your returns with a regular SIP to show the power of annual step ups. Even a small 10% annual increase can generate 2-3x more wealth over 20 years.
Each year SIP increases by step-up %. M = Sigma P x (1+s)^(y-1) x [(1+r)^n - 1 / r] x (1+r)
Step Up SIP vs Regular SIP
Regular SIP: ₹10,000/month for 20 years at 12%
- Total invested: ₹24,00,000
- Maturity: ₹99,91,479
Step Up SIP (10%): Starting ₹10,000/month, increasing 10% annually for 20 years at 12%
- Total invested: ₹34,42,825
- Maturity: ₹2,18,23,085
- Extra wealth: ₹1,18,31,606 (118% more!)
Step Up SIP Results (₹10,000 starting, 12% return)
| Step Up % | 10 Years | 15 Years | 20 Years | 25 Years |
|---|---|---|---|---|
| 0% (Regular) | ₹23.0L | ₹50.5L | ₹99.9L | ₹1.89Cr |
| 5% | ₹25.5L | ₹60.9L | ₹1.30Cr | ₹2.66Cr |
| 10% | ₹28.2L | ₹73.3L | ₹1.70Cr | ₹3.74Cr |
| 15% | ₹31.1L | ₹88.2L | ₹2.24Cr | ₹5.22Cr |
| 20% | ₹34.2L | ₹1.06Cr | ₹2.97Cr | ₹7.25Cr |
Popular Searches
Frequently Asked Questions
What is Step Up SIP?
Step Up SIP is a feature where you increase your SIP amount by a fixed percentage every year. For example, if you start with ₹5,000/month and choose 10% step up, it becomes ₹5,500 in year 2, ₹6,050 in year 3, and so on.
How much more does step up SIP generate?
A ₹5,000 SIP with 10% annual step up at 12% for 20 years generates ₹1.14 crore vs ₹49.96 lakh from regular ₹5,000 SIP. That is 128% more wealth just by increasing SIP by 10% annually.
What is a good step up percentage?
10% is ideal as it matches average salary increments. 15-20% is aggressive but achievable. Even 5% step up makes a significant difference over 15+ years.
When should I start step up SIP?
Start step up SIP as early as possible. Even if you begin with ₹3,000/month, a 10% annual step up can build ₹1 crore in 20 years at 12% returns.
Step up SIP vs regular SIP?
Step up SIP is always better for long-term goals. It adjusts for inflation and salary growth. A 10% step up SIP generates 2-3x more wealth than regular SIP over 20 years.