# Step Up SIP Calculator

> Future value of a SIP that increases by a fixed percentage every year (top-up SIP).

Interactive calculator: https://www.cashiq.in/tools/step-up-sip-calculator
Last updated: 2026-11-10

A step-up SIP raises your monthly investment by a fixed percentage every year, usually in line with salary hikes. Raising a ₹10,000 SIP by 10% a year for 15 years at 12% grows to about ₹86,83,849, compared with ₹50,45,760 if the SIP stays flat.

## How it is calculated

```
Value after each month = (previous value + this month's SIP) × (1 + i)
```

- i is the monthly rate: the expected annual return ÷ 12 ÷ 100.
- The monthly SIP stays the same for 12 months, then rises by the step-up percentage s: SIP in year k = starting SIP × (1 + s)^(k − 1).
- Each instalment is invested at the start of the month.

## Worked example

- Inputs: ₹10,000 a month, 10% yearly step-up, 12% expected return, 15 years
- Result: ₹38,12,698 invested, ₹48,71,152 estimated returns, ₹86,83,849 total value. The SIP reaches ₹37,975 a month in year 15
- Open it: https://www.cashiq.in/tools/step-up-sip-calculator?amount=10000&stepup=10&rate=12&years=15

## Use it with your own numbers

Add query parameters to the calculator URL. The page renders the result, a one-sentence summary and a year-by-year table in its HTML.

| Parameter | Meaning | Allowed values |
| --- | --- | --- |
| `amount` | Starting monthly SIP in ₹ | 500 to 5,00,000 |
| `stepup` | Yearly increase in the SIP, % | 0 to 50 |
| `rate` | Expected annual return, % | 1 to 30 |
| `years` | Investment period in years | 1 to 40 |

Example: https://www.cashiq.in/tools/step-up-sip-calculator?amount=10000&stepup=10&rate=12&years=15

JSON API: https://www.cashiq.in/api/v1/step-up-sip-calculator?amount=10000&stepup=10&rate=12&years=15

## Rules and assumptions

- Most fund houses let you set a yearly top-up, as a fixed amount or a percentage, when you register the SIP.
- Returns are an assumption, not a guarantee.

## Frequently asked questions

### What is a step-up SIP?

A SIP whose monthly amount rises automatically every year, by a fixed percentage or a fixed rupee amount. It is also called a top-up SIP.

### How much should I step up my SIP each year?

A common rule is to match your expected salary increase, often 5–10% a year. Even a 5% step-up adds a large amount over 15 to 20 years.

### Is a step-up SIP better than a regular SIP?

For the same starting amount it builds a bigger corpus, because you invest more each year. It also keeps your savings rate steady as your income grows.

### Can I stop or change the step-up later?

Yes. You can usually pause or change the top-up, or start a fresh SIP, through your fund house or investment platform.

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Results are estimates for planning, not investment, tax or legal advice. Returns are assumptions, not guarantees. Source: CashIQ, https://www.cashiq.in/tools/step-up-sip-calculator