Step-Up SIP Calculator — Annual Increase SIP India 2026

Step-Up SIP Calculator

Increase your SIP by a fixed percentage each year. See how even a 10% annual increase transforms your wealth vs a flat SIP.

Why Step-Up SIP is the Most Powerful Investment Habit

As your salary grows, your SIP should grow too. A Step-Up SIP (also called Top-Up SIP) automatically increases your investment by a fixed percentage each year. The result is dramatic: the same ₹5,000 starting SIP at 10% annual step-up over 20 years creates 2.4× more wealth than a flat ₹5,000 SIP — with a final SIP of only ₹30,577/month in Year 20.

Step-Up SIP Details

Starting Monthly SIP (₹)

Annual Step-Up (%)

10%

5% Conservative 10% Moderate 15% Aggressive

Expected Annual Return (%)

12%

Investment Period

20 yrs

Step-Up SIP Corpus

₹—

Total Invested

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Returns

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Final SIP/Month

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vs Flat SIP

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Flat SIP Comparison

Flat SIP Corpus

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Extra Wealth Created

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Flat SIP Invested

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Multiplier

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Year-wise: Step-Up vs Flat SIP

Disclaimer: Illustrative only. Actual returns vary. ARN-309076.

Discuss with Eswari ← All Calculators

Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.