A SIP that grows with you.
Start small, raise the contribution every year. See how that tracks against income growth and compounding.
What is a Step-Up SIP?
A Step-Up SIP — also called a Top-up SIP — increases your monthly contribution by a fixed percentage at preset intervals, usually each year. The goal is to keep your investments growing in step with your income.
As your salary rises, your contributions rise too. Combined with compounding, this accelerates wealth creation significantly compared to a flat SIP held for the same duration.
How to Use
- Enter your initial monthly investment amount.
- Set the annual step-up percentage (e.g., 10% means contributions rise 10% each year).
- Set the expected annual return rate.
- Choose the time period in years and read the projected corpus.
Formula Used
Each year the monthly contribution grows by the step-up percentage, then compounds at the monthly rate. The yearly contribution is:
Example Calculation
Frequently asked questions.
What is a Step-Up SIP?
A Step-Up SIP (also called Top-up SIP) raises your monthly contribution by a fixed percentage each year, helping your investments grow alongside your income.
How is step-up SIP return calculated?
Each year's monthly contribution compounds at the chosen rate, then grows by the step-up percentage for the next year. The calculator sums the future value of every year's contribution.
Is this step-up SIP calculator free?
Yes, Binary Lab's step-up SIP calculator is completely free with no signup required.
Is step-up SIP better than regular SIP?
For most earners, yes. Even a 5–10% annual step-up can significantly increase the final corpus over 15–20 years compared to a flat SIP.
What is the ideal step-up percentage?
A step-up that matches your annual salary increment — typically 5% to 10% — is a comfortable and effective rate for long-term goals.
Other calculators in the kit.
Want to compare against a flat SIP?
Send us your numbers and we'll line up a step-up vs flat SIP comparison so you can see the gap.
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