# Step Up SIP Calculator: Yearly Top-up SIP Returns > Step up SIP calculator: see how raising your SIP by a fixed percentage each year changes your final corpus versus a flat SIP, with a yearly schedule. Source: https://trykosh.com/tools/step-up-sip-calculator Free tool - Investing # Step-up SIP calculator Raise your SIP a little every year and watch the gap with a flat SIP grow. Enter a starting amount, the yearly increase, an assumed return and the period. Rules checked 25 October 2026Free - no sign-upRuns in your browser Estimated value after 15 years INR 86,83,849 INR 86.84 lakh vs INR 50.46 lakh without step-up You invest**INR 38,12,698** Estimated gains**INR 48,71,152** Extra over a flat SIP**INR 36,38,089** Invested **INR 38,12,698**Gains **INR 48,71,152** Flat SIP: invested INR 18,00,000 Flat SIP: value INR 50,45,760 Step-up SIP: invested INR 38,12,698 Step-up SIP: value INR 86,83,849 Year by year Year Monthly SIP Invested so far Value Year 1 INR 10,000 INR 1,20,000 INR 1,28,093 Year 2 INR 11,000 INR 2,52,000 INR 2,85,241 Year 3 INR 12,100 INR 3,97,200 INR 4,76,410 Year 4 INR 13,310 INR 5,56,920 INR 7,07,323 Year 5 INR 14,641 INR 7,32,612 INR 9,84,570 Year 6 INR 16,105 INR 9,25,873 INR 13,15,734 Year 7 INR 17,716 INR 11,38,461 INR 17,09,527 Year 8 INR 19,487 INR 13,72,307 INR 21,75,956 Year 9 INR 21,436 INR 16,29,537 INR 27,26,501 Year 10 INR 23,579 INR 19,12,491 INR 33,74,326 Year 11 INR 25,937 INR 22,23,740 INR 41,34,516 Year 12 INR 28,531 INR 25,66,114 INR 50,24,342 Year 13 INR 31,384 INR 29,42,725 INR 60,63,565 Year 14 INR 34,523 INR 33,56,998 INR 72,74,790 Year 15 INR 37,975 INR 38,12,698 INR 86,83,849 Your SIP rises from INR 10,000 to INR 37,975 a month in the final year. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-step-up-sip-calculator) ## How the step-up SIP calculator works A step-up (or top-up) SIP increases the monthly amount once a year, usually by a percentage such as 10%. It mirrors how salaries rise: you start with what's comfortable now and invest more as you earn more, without having to start a fresh SIP each time. The calculator runs month by month. For the first 12 months it invests your starting amount at the start of each month and grows the balance at your assumed monthly rate. At the start of year two the SIP rises by your step-up percentage, and so on until the last year. Alongside, it works out a flat SIP of the same starting amount over the same period. The difference between the two is the extra corpus the step-up builds. Most of that gap comes from the larger instalments of the later years, so the step-up matters more the longer you stay invested. The return is an assumption you control. A step-up only works if the higher instalments stay affordable, so set the percentage close to the raise you realistically expect, not the one you hope for. Year k SIP = P x (1 + s)^(k − 1); each month: balance = (balance + SIP) x (1 + i) P starting monthly SIP s yearly step-up as a decimal i monthly rate = yearly return / 12 / 100 ## Worked example: Rohit, INR 15,000 rising 10% a year Rohit, 29, an analyst in Hyderabad, starts a INR 15,000 SIP and raises it 10% every April after his appraisal. By year 20 he's investing INR 91,739 a month. Over the whole period he puts in about INR 1.03 crore, and at an assumed 12% the SIP could reach INR 2.98 crore. A flat INR 15,000 SIP would have reached about INR 1.5 crore on INR 36 lakh invested. Estimated value after 20 years INR 2,98,33,073 INR 2.98 crore vs INR 1.5 crore without step-up You invest**INR 1,03,09,500** Estimated gains**INR 1,95,23,573** Extra over a flat SIP**INR 1,48,45,854** Invested **INR 1,03,09,500**Gains **INR 1,95,23,573** Flat SIP: invested INR 36,00,000 Flat SIP: value INR 1,49,87,219 Step-up SIP: invested INR 1,03,09,500 Step-up SIP: value INR 2,98,33,073 Your SIP rises from INR 15,000 to INR 91,739 a month in the final year. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. [Load this example into the calculator ->](?monthly=15000&years=20#calculator) ## Good to know - Many fund houses let you add a top-up when you register the SIP, as a fixed rupee amount or a percentage, once or twice a year. If yours doesn't, you can start a second SIP each year instead. - A 10% step-up roughly doubles the corpus of a 20-year SIP at a 12% assumed return. A 5% step-up still adds more than a third. - Some top-up facilities have a cap on the maximum instalment. Check whether yours stops increasing after a set amount. - If a year is tight, you can modify or cancel the top-up without stopping the base SIP. ## Frequently asked questions What is a step-up SIP? It's a SIP whose monthly amount rises automatically by a set percentage or amount every year. You start smaller and invest more as your income grows, which builds a much larger corpus than keeping the SIP flat. What is a good step-up percentage? A step-up close to your expected salary increase, often 5% to 10%, is easier to sustain than an ambitious number you'll later cancel. Even a small step-up makes a noticeable difference over 15 to 20 years. Is a step-up SIP better than a normal SIP? It isn't a different product, just a higher total investment spread differently. At the same assumed return it always ends with more money because you invest more. The real benefit is behavioural: it keeps your investing in step with your income. Can I stop the step-up later? Yes. You can usually cancel or change the top-up instruction through the fund house or the platform you invest with, and the SIP continues at its last amount. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.