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Step Up SIP Calculator

See how a 10% annual increase turns your SIP into significantly more wealth over time.

The iToolVerse Step Up SIP Calculator helps you estimate your mutual fund corpus when you increase your monthly SIP amount every year. Enter your starting SIP, annual step-up, expected return, and tenure to get an instant breakdown — including inflation-adjusted real value, LTCG tax impact, and a year-by-year growth table. Compare step-up vs regular SIP to see exactly how much extra wealth your annual salary hike can create. No ads, no sign-up.

Total corpus at maturity

₹86,83,849

₹38.13 L invested → ₹48.71 L estimated returns · +₹36.38 L (72%) more than a regular SIP

Invested 44%Returns 56%

Goal presets

₹

₹10K / month in year 1

Annual step-up

%
%
yr
Inflation adjustment
%
LTCG tax (12.5%)
Expense ratio

Total invested

₹38,12,698

Est. returns

₹48,71,152

Maturity corpus

₹86,83,849

Extra wealth vs regular SIP

+₹36,38,089

against a flat (no step-up) SIP

Uplift over regular SIP

+72.1%

regular SIP corpus ₹50.46 L

Value in today's ₹

₹36,23,467

adjusted for 6% inflation

Step-up SIP vs. regular SIP

Same ₹10,000/month start, same 12% return over 15 years — but your 10% step-up grows the contribution every year.

₹50.46 L

Regular SIP

₹86.84 L

Step-up SIP

Extra wealth from stepping up

+₹36,38,089 (+72%)

Invested vs. returns

Corpus₹86.84 L
Invested₹38.13 L · 44%
Returns₹48.71 L · 56%

Year-by-year growth

Year-wise breakdown

YearMonthly SIPInvestedReturnsCorpus
1₹10,000₹1,20,000₹8,093₹1,28,093
2₹11,000₹2,52,000₹33,241₹2,85,241
3₹12,100₹3,97,200₹79,210₹4,76,410
4₹13,310₹5,56,920₹1,50,403₹7,07,323
5₹14,641₹7,32,612₹2,51,958₹9,84,570
6₹16,105₹9,25,873₹3,89,861₹13,15,734
7₹17,716₹11,38,461₹5,71,067₹17,09,527
8₹19,487₹13,72,307₹8,03,649₹21,75,956
9₹21,436₹16,29,537₹10,96,963₹27,26,501
10₹23,579₹19,12,491₹14,61,835₹33,74,326
11₹25,937₹22,23,740₹19,10,776₹41,34,516
12₹28,531₹25,66,114₹24,58,227₹50,24,342
13₹31,384₹29,42,725₹31,20,840₹60,63,565
14₹34,523₹33,56,998₹39,17,792₹72,74,790
15₹37,975₹38,12,698₹48,71,152₹86,83,849

Total corpus

₹86,83,849

Estimates are indicative and assume a constant annual return compounded monthly. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Actual returns will vary and are not guaranteed. LTCG and inflation figures are simplified estimates — this is not tax or investment advice.

What a 10% step-up adds to your corpus

Each cell shows the regular SIP corpus, the 10% step-up corpus, and the percentage uplift — all at a 12% annual return, before tax and inflation. Use the calculator above to model your own numbers.

Starting SIP10 years15 years20 years25 years
₹5K/mo₹16.87 Lregular ₹11.62 L · +45%₹43.42 Lregular ₹25.23 L · +72%₹99.44 Lregular ₹49.96 L · +99%₹2.14 Crregular ₹94.88 L · +125%
₹10K/mo₹33.74 Lregular ₹23.23 L · +45%₹86.84 Lregular ₹50.46 L · +72%₹1.99 Crregular ₹99.91 L · +99%₹4.28 Crregular ₹1.9 Cr · +125%
₹25K/mo₹84.36 Lregular ₹58.08 L · +45%₹2.17 Crregular ₹1.26 Cr · +72%₹4.97 Crregular ₹2.5 Cr · +99%₹10.69 Crregular ₹4.74 Cr · +125%

Percentage vs. fixed-₹ step-up

All three start at ₹10,000/month for 20 years at 12%. The percentage version raises the SIP 10% a year; the fixed-₹ version adds ₹1,000/month every year.

Flat SIP (no step-up)

₹99.91 L

10% step-up

₹1.99 Cr

+₹1,000/yr step-up

₹1.58 Cr

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Step up SIP calculator guide

What a step-up SIP actually does to your money, how it beats a flat SIP, and how to read every number this calculator gives you — including the inflation-adjusted and post-tax figures most competitor tools leave out.

What is a step-up SIP?

A step-up SIP (also called a top-up SIP) is a Systematic Investment Plan where you raise your monthly contribution every year instead of keeping it fixed. The idea is simple: as your income grows, your investment grows with it. A common assumption in India is a 10% annual step-up, roughly matching the average yearly salary increment — but you can use any percentage, or switch to a fixed-rupee increase that is easier to budget for.

Why a step-up SIP beats a flat SIP

Money invested earlier compounds for longer. By increasing your contribution every year, a step-up SIP feeds more money into the early- and mid-tenure years, where it has the most time to grow. The result is a corpus that can be significantly larger than a flat SIP for the same starting amount. The comparison panel above shows the exact gap for your numbers — both as extra wealth in rupees and as a percentage uplift over a regular SIP, a side-by-side view most calculators do not provide.

Percentage vs. fixed-₹ step-up

Percentage step-up

Your SIP grows by a percentage of the current amount each year, so the rupee increase itself gets bigger over time. This mirrors how salary hikes compound and is the default most investors use.

Fixed-₹ step-up

Your SIP rises by the same rupee amount every year — say +₹1,000. The increase stays predictable and easy to plan around. Almost no competitor calculator offers this mode; iToolVerse does.

The adjustments that make the number realistic

Inflation

A future corpus is worth less in today's terms. The inflation toggle restates it in present-day rupees so you plan for real purchasing power, not a flattering headline figure.

LTCG tax

Equity gains above ₹1.25 lakh are taxed at 12.5% on redemption. The post-tax figure is closer to what actually lands in your bank account — most competitor tools show pre-tax returns only.

Expense ratio

The fund's annual fee quietly drags on returns. Over 20+ years, the gap between a direct plan (~0.5%) and a regular plan can cost a large slice of your corpus.

Start from a goal

Not sure what inputs to use? Tap a goal preset — Retirement, Child Education, Home Down Payment, or Wealth Creation — to auto-fill sensible tenure, step-up, and return assumptions, then adjust the monthly amount and step-up to fit your situation. It is a guided starting point that most step-up calculators are missing.

How to use this calculator

  1. Set your starting monthly SIP, then pick a percentage or fixed-₹ step-up.
  2. Adjust the expected return and tenure — the corpus and the step-up-vs-regular gap update instantly.
  3. Open Advanced options to layer on inflation, LTCG tax, and expense ratio.
  4. Check the year-wise table to see how your monthly SIP and corpus grow each year.
  5. Copy the share link or save the image/CSV to revisit or send to a family member or advisor.

Frequently Asked Questions

Step-up SIP math, percentage vs fixed-₹ modes, the step-up-vs-regular gap, LTCG tax, inflation, and how sharing works.