Compare annual percentage (%) or fixed rupee (₹) SIP top-ups against a flat monthly SIP with a year-by-year advantage table.
| Year | Monthly SIP (Step-Up) | Cumulative Invested | Step-Up Corpus | Flat SIP Corpus | Step-Up Advantage |
|---|---|---|---|---|---|
| Year 1 | ₹15,000 | ₹1,80,000 | ₹1,92,140 | ₹1,92,140 | ₹0 |
| Year 2 | ₹16,500 | ₹3,78,000 | ₹4,27,862 | ₹4,08,648 | ₹19,214 |
| Year 3 | ₹18,150 | ₹5,95,800 | ₹7,14,615 | ₹6,52,615 | ₹62,000 |
| Year 4 | ₹19,965 | ₹8,35,380 | ₹10,60,984 | ₹9,27,523 | ₹1,33,462 |
| Year 5 | ₹21,962 | ₹10,98,918 | ₹14,76,856 | ₹12,37,295 | ₹2,39,560 |
| Year 6 | ₹24,158 | ₹13,88,810 | ₹19,73,601 | ₹15,86,355 | ₹3,87,246 |
| Year 7 | ₹26,573 | ₹17,07,691 | ₹25,64,291 | ₹19,79,685 | ₹5,84,606 |
| Year 8 | ₹29,231 | ₹20,58,460 | ₹32,63,933 | ₹24,22,898 | ₹8,41,035 |
| Year 9 | ₹32,154 | ₹24,44,306 | ₹40,89,751 | ₹29,22,323 | ₹11,67,428 |
| Year 10 | ₹35,369 | ₹28,68,736 | ₹50,61,489 | ₹34,85,086 | ₹15,76,403 |
| Year 11 | ₹38,906 | ₹33,35,610 | ₹62,01,774 | ₹41,19,222 | ₹20,82,552 |
| Year 12 | ₹42,797 | ₹38,49,171 | ₹75,36,512 | ₹48,33,783 | ₹27,02,730 |
| Year 13 | ₹47,076 | ₹44,14,088 | ₹90,95,348 | ₹56,38,967 | ₹34,56,381 |
| Year 14 | ₹51,784 | ₹50,35,497 | ₹1,09,12,185 | ₹65,46,269 | ₹43,65,916 |
| Year 15 | ₹56,962 | ₹57,19,047 | ₹1,30,25,774 | ₹75,68,640 | ₹54,57,134 |
Rounding: Rounded to nearest rupee.
An investor starts with ₹15,000/month and increases the SIP by 10% every year for 15 years at 12% p.a.
A percentage step-up (such as 8%–10% per year) naturally tracks percentage salary appraisals, whereas a fixed rupee top-up (such as +₹2,000/year) keeps annual increases linear and predictable.
Model how matching your annual salary increment with an automatic SIP Step-Up (either percentage-based or fixed-rupee top-up) compounds your maturity corpus. Whether you are researching step up sip calculator, top up sip calculator, annual increase sip calculator, growing sip mutual fund, fixed rupee step up sip, this interactive tool helps you calculate how increasing a monthly SIP every year by a fixed percentage (e.g., 10%) or fixed rupee amount (e.g., ₹2,000) accelerates wealth compared to a flat SIP.
As you adjust Starting Monthly SIP (Year 1), Annual Step-Up Type, Annual Step-Up Value (% or ₹), Expected Annual Return Rate, the calculator immediately computes Step-Up SIP Maturity Value (₹), Flat SIP Baseline Value (₹), Extra Wealth from Step-Up (₹), Year-by-Year Step-Up vs. Flat Schedule and updates all three domain-specific SVG charts in real time. Instead of relying on a single static figure, you can inspect the primary domain diagram, component breakdown, and multi-point trajectory curve to see how changing your inputs shifts the final result. Use the Compare (up to 3 scenarios) button to evaluate side-by-side variations before making a decision.
In our benchmark scenario (₹15,000/Month Starting SIP with 10% Annual Step-Up at 12% p.a. for 15 Years), Step-Up SIP grows to ₹1.30 Cr vs. ₹75.69 L for a flat SIP (+₹54.51 L boost). Keep in mind that step-up increment takes effect at the start of each new investment year (every 12 installments). For related calculations in Finance & Investing, explore SIP Calculator (Systematic Investment Plan), Inflation-Adjusted SIP Calculator (Real Purchasing Power), Target Goal SIP Calculator (Reverse SIP Solver), All-in-One Real Wealth SIP Calculator (Step-Up + Lump Sum + TER + Tax + Inflation).