Step-Up SIP Calculator

Annual top-up SIP return calculator with year-by-year wealth projection

Key Features & Calculation Guidance

Key features: Annual Percentage Top-Up, Year-by-Year Table, Target Corpus Plan. Free, 100% browser-based — no login required.

Frequently Asked Questions

What is a Step-Up SIP?

A Step-Up SIP (or Top-Up SIP) is an option where you automatically increase your monthly investment by a set percentage (e.g. 10%) every year.

How much more wealth does a Step-Up SIP generate?

For a ₹10,000 monthly SIP over 20 years at 12% return, a fixed SIP yields ~₹99.9 Lakhs, whereas a 10% annual Step-Up SIP yields ~₹2.12 Crores—more than double!

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