Step Up SIP Calculator : Grow Wealth Faster with Smart Increases

This is a two in one Step Up SIP Calculator which gives you result for both normal SIP as well as Step up SIP in one go.  A Systematic Investment Plan (SIP) is a disciplined way to invest regularly in mutual funds. A Step‑Up SIP takes it further by increasing your monthly contribution annually, helping to match rising income and inflation.

This guide explains how it works by using most advanced Step Up Sip Calculator, why it’s beneficial, shows real examples, compares with traditional SIPs, and includes expert tips plus FAQs.

Now before using the SIP Calculator with step up given below, first understand how it works and how to use it.

 

How to Use a Step Up SIP Calculator?

  • Input your monthly initial SIP, annual step‑up %, expected annual return (%), and investment duration.

  • The calculator projects:

  • Total Invested Amount
  • Future Value with Step-Up
  • Future Value without Step-Up
  • Profit with Step-Up
  • Profit without Step-Up

It visualizes the power of increasing SIP contributions over time.

Example:

  • ₹5,000/month initial SIP

  • 10% step‑up every year

  • Expected 12% annual return for 20 years

  • You’d start at ₹5,000 monthly, and each year your contribution increases by 10%—e.g., ₹5,500 in year 2, ₹6,050 in year 3, up to year 20.

Go ahead and calculate your returns by using moneycontain two in one Step Up SIP Calculator below:

If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.

Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.

 

SIP vs Step‑Up SIP: What’s the Difference?

Feature
Regular SIP
Step‑Up SIP
Contribution
Fixed monthly amount
Increases annually (e.g., +10%)
Income Alignment
Static, assumes same cash flow
Matches salary increases
Corpus Growth
Lower final amount
Higher final corpus
Simplicity
Easy to plan
Slightly more complex

 

Comparison Step-Up and Regular SIP – Side-by-Side

Feature
Regular SIP
Step-Up SIP
Monthly Contribution
Fixed throughout
Increases annually (e.g., +10%)
Flexibility
Simple, predictable
More dynamic, aligned with income growth
Wealth Creation Potential
Moderate
Higher – due to rising contributions over time
Best For
Beginners, fixed budget investors
Professionals with growing salaries
Adjusts for Inflation
Not directly
Yes – by increasing SIP, combats inflation
Setup Complexity
Very easy
Slightly more effort (but manageable)
Emotional Impact
Less pressure
May require budgeting discipline as SIP grows
Example (₹5,000/mo, 12% return)
~₹50L corpus in 20 years
~₹98L corpus with 10% step-up yearly (same time)

Step-Up SIP can nearly double your wealth over 20 years with modest annual increases.

 

 

Benefits of SIP & Step‑Up SIP

  • Rupee-cost averaging: Buy more units when prices are low.

  • Disciplined investing: Automate investments monthly.

  • Compounding effect: Growth on growth over time.

  • Step-Up specific perks:

    • Builds a larger corpus

    • Counters inflation

    • Aligns with salary hikes

 

 

Which Is Better? Regular vs Step‑Up SIP

  • Regular SIP: Best when you want simplicity and stability.

  • Step‑Up SIP: Ideal if you expect rising income and want to grow faster.

 

Pro Tips for Step‑Up SIP

  • Start small: Begin with an affordable amount.

  • Set realistic step‑ups: 5–15% yearly works for most.

  • Track fund performance: Reassess yearly.

  • Switch to debt before retirement: Gradual risk reduction.

 

If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.

Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.

 

Best SIP Funds – June 2025

Top-performing mutual funds (monthly SIP-focused, as per Economic Times & ET Money):

  • Canara Robeco Bluechip Equity Fund – Large‑ and mid‑cap blend

  • Mirae Asset Large Cap Fund – Large‑cap stability
  • Parag Parikh Flexi Cap Fund – Diversified multi‑cap
  • HDFC Flexi Cap Fund – Strong 5‑year performance
  • Axis Midcap Fund – Aggressive mid‑cap exposure

 

Bonus: Mutual Fund Portfolios by Risk Type (June 2025)

According to ET News, portfolios tailored by risk profile:

  • Conservative: Equity‑debt and liquid funds.

  • Moderate: Large- and mid-cap dominant.

  • Aggressive: Small-cap heavy exposure

 

Checklist: Choosing the Best Mutual Funds & Resetting Goals

When choosing funds for SIP (especially step-up), check:

  1. Fund Category: Large-cap (safe), Mid-cap (growth), Small-cap (aggressive), or Flexi-cap (balanced).

  2. 5-Year Performance: Consistent returns >10% indicate a strong fund.

  3. Fund Manager: Look for experienced, long-standing managers.

  4. Expense Ratio: Lower is better. It affects your long-term returns.

  5. AUM (Assets Under Management): Too large or too small can be risky.

  6. Volatility: Check standard deviation or beta (if risk-averse).

  7. SIP Features: Step-up, pause, switch, and exit options.

Reset Goals Every Year:

  • Reassess your income and expenses.

  • Review if your investment corpus target has changed (e.g., new home, kids’ education).

  • Adjust SIP step-up % or pause it temporarily if needed.

  • Review fund performance yearly and switch if underperforming consistently.

 

 

Real-Life Example: How Step-Up SIP Helped Anjali Grow Her Wealth

Anjali is a 28-year-old software engineer. She starts investing ₹5,000 every month via a regular SIP. But every year, she increases her SIP by 10% — this is called a Step-Up SIP.

Year Monthly SIP (₹) Total Invested (₹ Lakhs) Future Value @12% Return (₹ Lakhs)
1 5,000 0.6 0.67
5 7,322 4.15 5.12
10 11,948 9.56 14.23
20 34,908 34.36 98.46

 

If Anjali stuck to a flat ₹5,000 SIP for 20 years, she’d invest ₹12 lakhs and get around ₹48 lakhs. But with step-up, she invests ₹34 lakhs and ends with ₹98 lakhs! That’s over double the wealth by increasing contributions gradually — without feeling a big pinch each year.

 

SIP Goal Planner: Match Your SIP with Your Life Goals

Use this simple planner to estimate how much to invest monthly to meet your goals.

Goal
Time Horizon
Suggested Monthly SIP (₹)
Notes
Buy a New Car
5 years
7,000
Moderate risk funds recommended
Child’s Education
15 years
10,000
Balanced funds with moderate equity
Retirement
25+ years
15,000
Higher equity exposure for growth

Tip: Adjust your SIP annually with a 5-10% step-up to beat inflation and grow corpus faster.

 

Did You Know?

  • Increasing your SIP by just 10% annually can more than double your corpus over 20 years.

  • Small incremental increases in SIP amounts are easier to manage financially than a large lump sum.

  • Compounding works best when you invest more consistently over longer periods.

  • Inflation reduces the value of money, so increasing your SIP helps maintain your purchasing power.

 

If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.

Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.

 

Myths vs Facts About SIPs

Myth
Fact
SIPs guarantee fixed returns
SIP returns vary depending on market performance.
You need a lot of money to start SIPs
You can start SIP with as little as ₹500 per month.
Step-up SIPs are complicated
Most mutual fund platforms automate step-up SIPs, making it simple to manage.
SIP is only for long-term investors
SIPs can be tailored for short or medium term goals, though longer terms benefit most.
You can’t increase SIP amount later
Most platforms such as DHAN allow you to increase or decrease SIP amount anytime.

 

 

 

Frequently Asked Questions (FAQ’s)

Q: Can I step up every month instead?
A: Most funds offer only annual or semi-annual step-ups—yearly is most common.

Q: Should I stop step-up after a point?
A: It helps to cap contributions or pause step-up after salary increases slow down.

Q: Are step-up SIPs riskier?
A: No, risk depends on fund choice—not the step-up mechanism.

Q: How to start a step-up SIP?
A: Many AMCs allow step-up via their website or app—check your fund provider.

Q: Is step-up good in inflationary times?
A: Yes, step-up SIPs help your investments keep up with rising prices

Q: Can I change the step-up percentage anytime?
Yes, most mutual fund platforms let you modify your step-up percentage yearly or whenever you want.

Q: What happens if I miss increasing the SIP in a particular year?
You can continue your SIP at the last increased amount or set a new amount later; step-up SIPs are flexible.

Q: Is step-up SIP better than regular SIP?
Step-up SIP helps you build a larger corpus by increasing contributions gradually and helps beat inflation.

Q: Can NRIs invest in step-up SIPs?
Yes, NRIs can invest in Indian mutual funds and opt for step-up SIPs if supported by their fund platform.

Q: Which platforms support step-up SIPs?
Popular platforms like Dhan offer easy options to set and modify step-up SIPs.

If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.

Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.

Conclusion

Using a Step-Up SIP calculator empowers you to plan for growing contributions over time, helping you build a larger investment corpus and beat inflation.

Whether you pick a regular or step-up SIP depends on your income expectations and financial goals. With the right fund choices, informed decision-making, and a disciplined approach, your path to wealth creation becomes clear and effective.

I want to quote John Maynard Keynes, he said “The importance of money flows from it being a link between the present and the future”.

John Maynard was a British economist, whose ideas fundamentally changed the theory and practice of macroeconomics and the economic policies of governments.

As an investor you should know the (TMV) “time value of money” the value of money does not remain the same across time. Meaning, the value of Rs.1000 today is not really Rs.1000, 2 years from now. Oppositely, the value of Rs.1000, 2 years from now is not really Rs.1000 as of today.

Whenever there is motion of time, there is an element of opportunity. Money has to be accounted or adjusted for that opportunity.

What is the one thing that you want when you get old? Time, so that you can correct and reverse the mistakes you did in past.

Time is equal for all of us on this planet at least? The more you invest your present time in right direction and decision, better will be your future.

Do start investing today, if you are not because the people who wait for right time, it does not come simply.

If, you have liked the content please do share it with your friends or on social media, as sharing do bring the good karma. If you have any questions or feedback you can leave them in comment box below.

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If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.

Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.

Disclaimer

The information provided in this article and through the SIP calculators is for educational and illustrative purposes only and does not constitute financial advice. Past performance of mutual funds is not indicative of future returns. Before making any investment decisions, please consult a qualified financial advisor and read the scheme information document and key information memorandum carefully. Mutual fund investments are subject to market risks, and the NAV of the units may go up or down. The author and publisher assume no liability for any financial losses incurred based on the information provided herein.

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