Step-up SIP calculator

Raise your SIP a little every year, as your income grows. See how much more a step-up SIP could build compared with keeping it flat.

 
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For illustration only. Uses a fixed rate you choose; real returns vary every year and can be negative. Not linked to any scheme and not a promise of returns. Taxes not included.

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Bridgit Second Income™

Turn your SIP into a monthly income

Invest for about 10 years, then take a monthly income from your savings while the rest stays invested. See how it works, with your own numbers.

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What is a step-up SIP?

A step-up SIP is a regular SIP that increases by a set percentage every year. Start at ₹10,000 a month with a 10% step-up, and you’d invest ₹11,000 a month in year two, ₹12,100 in year three, and so on.

The idea is simple: your income usually grows over time, so your investing can too. A flat SIP that felt big when you started can feel small 10 years later.

How to use this calculator

  1. Starting monthly SIP: what you invest each month in the first year.
  2. Increase every year: the percentage your SIP goes up by once a year.
  3. Investment period and return you assume, as in a regular SIP.

The result shows what your step-up SIP could grow to, and how that compares with a flat SIP of the same starting amount. The difference is often surprisingly large.

A worked example

Start at ₹10,000 a month, increase it 10% every year for 15 years, and assume 12% a year:

Item Flat SIP Step-up SIP (10% a year)
SIP in the final year ₹10,000 ₹37,975
Total invested ₹18,00,000 ₹38,12,698
Estimated value after 15 years ₹47,59,314 ₹82,74,718

The step-up SIP could end up about ₹35 lakh higher. You put in more, of course, but much of the extra comes from the higher amounts invested in the middle years having time to grow.

How the calculation works

The calculator works month by month. Each month it adds your SIP and grows the balance at the monthly equivalent of your assumed yearly return. At the start of each new year, it raises your SIP by the step-up rate. The table below the chart shows the total invested and value at the end of every year.

Tips for using a step-up SIP

  • Match it to your pay rise. If your salary grows about 8% a year, a step-up of 5 to 8% is easy to sustain.
  • Start early. The earlier years matter most because that money has the longest to grow.
  • Review once a year. Bonuses, a new job, or a new goal are good moments to raise your SIP further.
  • Know your target. The goal SIP calculator tells you what SIP you need for a specific goal, and the retirement calculator does the same for retirement.

Step-up SIPs and a second income

A growing SIP builds a larger base for later. With Bridgit Second Income, you build for about 10 years and then take a monthly income through an SWP while the rest stays invested. A bigger base means a bigger income.

Questions people ask

What is a step-up SIP?
A step-up SIP, also called a top-up SIP, raises your monthly SIP amount automatically every year, either by a fixed percentage or a fixed amount. It lets your investing keep pace with your income.
How much should I step up my SIP every year?
Many people link it to their expected pay rise, often 5 to 10% a year. Even a small step-up makes a big difference over 15 to 20 years. Pick a rate you can keep up comfortably.
Do all mutual funds offer a step-up SIP?
Most fund houses offer a step-up or top-up facility that you choose when you register the SIP. If not, you can start an additional SIP each year. Your Bridgit expert sets this up for you.
Can I stop the yearly increase later?
Yes. You can stop or change the step-up, or the SIP itself, at any time.
Is a step-up SIP better than a regular SIP?
It's the same investment, just with more money going in over time. A step-up SIP will usually build more because you invest more. Whether it suits you depends on whether your income and budget can keep up with the increases.

These calculators are for illustration and education only. They use a fixed rate you choose; actual returns vary and can be negative. Results are not investment advice and do not represent any scheme. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Last reviewed 6 October 2026.

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