Total investment
—
Investment breakdown
Share of your total contributions versus net returns at maturity.
Investment vs growth
See how your SIP contributions compound into corpus over time.
| Year | Investment | Interest | Corpus |
|---|---|---|---|
| Run a calculation to see the yearly schedule. | |||
Also calculate
Switch tools without leaving your flow.
SIP Calculator
Plan regular mutual fund SIPs with charts and yearly breakdown.
Open calculator →
Goal Planning SIP Calculator
Work backwards from a target corpus to the SIP you need.
Open calculator →
SIP Expense Ratio Calculator
See how mutual fund fees drag SIP corpus over time.
Open calculator →
SIP Inflation Calculator
View SIP corpus in today’s rupees after inflation.
Open calculator →
Lumpsum Calculator
Project one-time mutual fund investments over your chosen tenure.
Open calculator →
Letting contributions grow with your income
Most people start a SIP early in their career and never revisit the amount, so a figure that was ambitious at 25 is trivial at 40. A step-up plan raises the instalment by a set percentage every year instead, usually timed to appraisals. This page models only that — contribution growth, with no fee or inflation adjustment — so the comparison against a flat SIP stays clean.
Choosing a step-up percentage
Around 5% is roughly an inflation-matching raise; 10% is the common rule of thumb when salary hikes allow it; anything above 15% needs income growth that genuinely supports it. The right number is the highest one you will not abandon in year three, because a lapsed step-up instruction leaves you worse off than a modest increase you actually fund.
Why the gap widens so much
The larger instalments arrive late, with fewer years left to compound, which suggests they should matter little. They matter anyway because there are so many of them: at a 10% annual step-up, the contribution roughly doubles every seven years, so the back half of a twenty-year plan carries far more capital than the front half. Watch the total invested figure, not just the corpus — much of the difference is money you put in rather than returns you earned.
For a flat contribution, use the core SIP calculator. To net off fund fees or restate the corpus in today’s rupees, see the expense ratio and inflation calculators. Our guide on step-up SIPs covers the mechanics in more detail.
FAQ
Step-up SIP calculator FAQs
What is a step-up SIP?
It is an ordinary mutual fund SIP whose instalment rises by a fixed percentage at set intervals, almost always once a year. The idea is that your investment rate keeps pace with your income rather than staying frozen at whatever you could afford when you started.
What step-up percentage should I use?
Align it with the salary growth you actually expect — commonly 5% to 15% a year. Pick a rate you can fund after EMIs and living costs, and remember that the increases only help if you keep paying them.
Is a step-up SIP better than a flat SIP?
It builds a larger corpus from the same starting amount, but that is mostly because you invest more money, not because the returns are better. Compare the total invested figures on both pages before treating the bigger corpus as a free gain.
Can I set this up manually?
Yes — many investors simply raise the SIP amount in their app each year. Formal step-up features automate the hike so it does not depend on you remembering. Either works; the automated version survives inattention better.
Does this include expense ratio or inflation?
No. This page isolates the effect of rising contributions. Fund fees are handled by the expense ratio calculator and purchasing power by the inflation calculator, each on its own page so one effect does not hide another.