Step Up SIP Calculator 2025

Step-up SIP is a type of Systematic Investment Plan (SIP) where you increase your investment amount by a certain percentage every month or year. This can help you grow your wealth over time faster than a regular SIP. A Step Up SIP calculator is a powerful and user-friendly financial tool that enables you to estimate the expected SIP return and potential growth of your investment. Let’s dive deeper into how a SIP step up calculator helps you to grow your wealth faster.

Read more
kapil-sharma
  • 4.8++ Rated
  • 10.5 Crore Registered Consumer
  • 51 Partners Insurance Partners
  • 5.3 Crore Policies Sold

SIP Benefits

  • Start SIP with as low as ₹1000
  • No hidden charges
  • Save upto ₹46,800 in Tax under section 80C^
  • Zero LTCG Tax
  • Disciplined & worry-free investing
Top Performing˜ SIPs with High Returns
Invest ₹10k/month & Get ₹1 Cr# Tax-Free*
+91
Secure
We don't spam
View Plans
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs #Discount offered by insurance company
Get Updates on WhatsApp
We are rated++
rating
10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold

Step Up SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Total Wealth ₹22.4 L
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
Years
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 29
  • 31
  • 32
  • 33
  • 34
  • 36
  • 37
  • 38
  • 39
  • 40
Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
  • 1
  • 2
  • 3
  • 4
  • 6
  • 7
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 16
  • 17
  • 18
  • 19
  • 21
  • 22
  • 23
  • 24
  • 26
  • 27
  • 28
  • 30
Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
High Growth Fund
18.46%
High Growth Fund
Top 200 Fund
19.2%
Top 200 Fund
Accelerator Mid-Cap Fund II
14.56%
Accelerator Mid-Cap Fund II
Opportunities Fund
14.7%
Opportunities Fund
Equity II Fund
10.4%
Equity II Fund
Accelerator Fund
13.53%
Accelerator Fund
Growth Opportunities Plus Fund
14.51%
Growth Opportunities Plus Fund
Multiplier
15.46%
Multiplier
Equity Top 250 Fund
11.48%
Equity Top 250 Fund
Future Apex Fund
13.49%
Future Apex Fund
Opportunities Fund
12.5%
Opportunities Fund
Frontline Equity Fund
14.19%
Frontline Equity Fund
Virtue II
15.14%
Virtue II
Pension Dynamic Equity Fund
11.02%
Pension Dynamic Equity Fund
Equity Optimiser Pension
12.53%
Equity Optimiser Pension
Blue-Chip Equity Fund
10.3%
Blue-Chip Equity Fund

What is Step Up SIP?

A Step Up SIP (also known as a Top Up SIP) is your ticket to smarter, more flexible investing. Unlike a regular SIP, where you invest the same amount every month, a Step Up SIP lets you automatically increase your investment by a set percentage or fixed amount each year. This means your investments keep pace with your growing income and financial goals—without you lifting a finger.

Here’s how it works:

  • Start with a monthly SIP—say, ₹5,000.

  • Set an annual increase—like 10%.

  • Each year, your SIP amount grows:

    • Year 1: ₹5,000/month

    • Year 2: ₹5,500/month

    • Year 3: ₹6,050/month

    • Year 4: ₹6,655/month

...and so on.

By steadily increasing your contributions, you get the power of compounding and rupee cost averaging—two of the most important forces in long-term wealth creation.

Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹9,928

NAV

118.45

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.5 22.12 18.46 %

Instant tax receipt
AUM (Cr)

₹3,248

NAV

71.67

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.81 17.39 15.14 %

Instant tax receipt
AUM (Cr)

₹2,675

NAV

74.41

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.91 17.38 14.98 %

Instant tax receipt
AUM (Cr)

₹37,289

NAV

79.19

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.85 15.7 14.7 %

Instant tax receipt
AUM (Cr)

₹5,652

NAV

83.66

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.2 13.5 14.56 %

Instant tax receipt
AUM (Cr)

₹3,581

NAV

42.35

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.85 14.13 14.33 %

Instant tax receipt
AUM (Cr)

₹4,348

NAV

70.3

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.82 15.78 14.19 %

Instant tax receipt
AUM (Cr)

₹440

NAV

69.44

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.65 14.4 13.93 %

Instant tax receipt
AUM (Cr)

₹7,189

NAV

157.31

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.01 14.39 13.61 %

Instant tax receipt
AUM (Cr)

₹236

NAV

50.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.43 15.83 13.53 %

Instant tax receipt
AUM (Cr)

₹3,248

NAV

71.67

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.81 17.39 15.14 %

AUM (Cr)

₹2,675

NAV

74.41

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.91 17.38 14.98 %

AUM (Cr)

₹3,581

NAV

42.35

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.85 14.13 14.33 %

AUM (Cr)

₹4,348

NAV

70.3

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.82 15.78 14.19 %

AUM (Cr)

₹440

NAV

69.44

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.65 14.4 13.93 %

AUM (Cr)

₹7,189

NAV

157.31

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.01 14.39 13.61 %

AUM (Cr)

₹236

NAV

50.49

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.43 15.83 13.53 %

AUM (Cr)

₹101

NAV

57.97

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.72 15.9 13.49 %

AUM (Cr)

₹13,357

NAV

83.89

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.2 13.81 12.85 %

AUM (Cr)

₹849

NAV

29.69

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.94 12.7 11.89 %

AUM (Cr)

₹9,928

NAV

118.45

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.5 22.12 18.46 %

AUM (Cr)

₹37,289

NAV

79.19

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 24.85 15.7 14.7 %

AUM (Cr)

₹5,652

NAV

83.66

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 23.2 13.5 14.56 %

AUM (Cr)

₹2,323

NAV

182.82

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 30.5 22.56 19.2 %

AUM (Cr)

₹986

NAV

75.4

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.23 15.46 14.51 %

AUM (Cr)

₹13,638

NAV

69.96

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.57 14.26 13.04 %

AUM (Cr)

₹3,368

NAV

60.52

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21.88 14.05 12.5 %

AUM (Cr)

₹1,183

NAV

54.62

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.92 13.75 12.35 %

AUM (Cr)

₹539

NAV

58.84

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 19.05 12.68 11.48 %

AUM (Cr)

₹222

NAV

94.7

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.17 8.61 8.56 %

AUM (Cr)

₹866

NAV

40.64

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6.04 8.05 7.9 %

AUM (Cr)

₹501

NAV

38.37

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.86 8.05 7.69 %

AUM (Cr)

₹136

NAV

34.79

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.52 7.63 7.5 %

AUM (Cr)

₹210

NAV

47.28

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.04 7.56 7.37 %

AUM (Cr)

₹75

NAV

40.68

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.4 7.4 7.35 %

AUM (Cr)

₹96

NAV

38.8

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.46 7.54 7.25 %

AUM (Cr)

₹139

NAV

29.22

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 6 7.09 7.25 %

AUM (Cr)

₹8,009

NAV

32.24

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.15 7.18 7.22 %

AUM (Cr)

₹19,982

NAV

49.7

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.58 7.37 7.21 %

AUM (Cr)

₹878

NAV

100.2

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 22.02 16.91 15.38 %

AUM (Cr)

₹369

NAV

48.56

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.38 11.62 10.73 %

AUM (Cr)

₹501

NAV

104.15

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.01 10.53 10.04 %

AUM (Cr)

₹65

NAV

60.38

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.51 10.06 10.01 %

AUM (Cr)

₹5,893

NAV

40.33

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.61 10.53 9.99 %

AUM (Cr)

₹858

NAV

39.75

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.5 10.59 9.86 %

AUM (Cr)

₹295

NAV

31.76

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.31 9.94 9.82 %

AUM (Cr)

₹7,999

NAV

111.77

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.07 10.66 9.8 %

AUM (Cr)

₹19

NAV

34.2

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.88 10.35 9.58 %

AUM (Cr)

₹2,021

NAV

43.78

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.76 9.95 9.54 %

AUM (Cr)

₹7,189

NAV

157.31

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.01 14.39 13.61 %

AUM (Cr)

₹1,296

NAV

80

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.79 13.78 13.44 %

AUM (Cr)

₹2,883

NAV

71.8

Estimated Value

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.16 14.29 13.26 %

View More

How Does the Step Up SIP Calculator Work?

The step up sip calculator formula is designed to estimate the future value of your SIP investments if you increase your SIP amount by a fixed percentage (or amount) at regular intervals—usually every year. You simply enter basic details like your initial SIP amount, expected return rate, investment duration, and the annual step-up percentage. The calculator then computes the total value of your investments, showing how gradually increasing your SIP can significantly boost your wealth over time.

Step Up SIP Calculator with Inflation:

Some advanced calculators also allow you to factor in inflation, helping you see the real (inflation-adjusted) value of your future corpus, making your planning even more robust.

  • Insurance Companies
  • Mutual Funds
Returns
Fund Name 5 Years 7 Years 10 Years
High Growth Fund Max Life
Rating
30.5% 22.12%
18.46%
View Plan
Top 200 Fund Tata AIA
Rating
30.5% 22.56%
19.2%
View Plan
Accelerator Mid-Cap Fund II Bajaj Allianz
Rating
23.2% 13.5%
14.56%
View Plan
Opportunities Fund HDFC Standard
Rating
24.85% 15.7%
14.7%
View Plan
Equity II Fund Canara HSBC Oriental Bank
Rating
18.37% 10.87%
10.4%
View Plan
Growth Opportunities Plus Fund Bharti AXA
Rating
22.23% 15.46%
14.51%
View Plan
Multiplier Birla Sun Life
Rating
25.47% 15.29%
15.46%
View Plan
Equity Top 250 Fund Edelwiess Tokio
Rating
19.05% 12.68%
11.48%
View Plan
Opportunities Fund ICICI Prudential
Rating
21.88% 14.05%
12.5%
View Plan
Flexi Growth Fund LIC
Rating
- -
-
View Plan
Fund rating powered by
Last updated: Jun 2025
Compare more funds

  Returns
Fund Name 3 Years 5 Years 10 Years
Active Fund QUANT 23.92% 31.48%
21.87%
Flexi Cap Fund PARAG PARIKH 20.69% 26.41%
19.28%
Large and Mid-Cap Fund EDELWEISS 22.34% 24.29%
17.94%
Equity Opportunities Fund KOTAK 24.64% 25.01%
19.45%
Large and Midcap Fund MIRAE ASSET 19.74% 24.32%
22.50%
Flexi Cap Fund PGIM INDIA 14.75% 23.39%
-
Flexi Cap Fund DSP 18.41% 22.33%
16.91%
Emerging Equities Fund CANARA ROBECO 20.05% 21.80%
15.92%
Focused fund SUNDARAM 18.27% 18.22%
16.55%

Last updated: May 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying the Dip Results in Higher Returns

Why Use a Step Up SIP Calculator?

Below are the reasons why you should use a step up SIP calculator:

  1. Estimate your future wealth:

    See how your investments could grow with regular step-ups.

  2. Visualize your progress:

    Get instant projections on total investment, interest earned, and maturity value.

  3. Plan with confidence:

    Align your SIP strategy with your evolving financial capacity and goals.

  4. Factor in inflation:

    Some calculators allow you to include inflation, giving you a more realistic estimate of your purchasing power at maturity.

Start An Sip Today Watch Your Money Grow Start An Sip Today Watch Your Money Grow

How to Use Policybazaar’s Step-Up SIP Calculator

Using Policybazaar’s SIP step up calculator is simple. Follow the steps:

  1. Find the Step Up SIP Calculator on Policybazaar’s website.

  2. Select your investment type:

    SIP or lumpsum.

  3. Enter your details:

    • Monthly investment amount

    • Expected rate of return

    • Investment tenure

    • Step-up percentage

  4. View your results instantly:

    • Total investment

    • Interest earned

    • Maturity amount

What are the Benefits of the Step Up SIP Calculator?

Below are the benefits of Step Up SIP calculator:

  1. Instant clarity:

    Get a clear picture of your investment’s future—no spreadsheets required.

  2. Easy and free:

    User-friendly, accessible anytime, anywhere.

  3. Decision Making:

    Make informed decisions and stay motivated as you see your wealth-building potential unfold.

  4. No complex calculations:

    The calculator does the difficult work by removing the need to do manual calculations, so you can focus on your goals.

Start Small & Build Your Wealth For A Brighter Tomorrow Start Small & Build Your Wealth For A Brighter Tomorrow

Key Takeaways

  • Step Up SIPs are perfect for anyone with rising income or ambitious financial goals.

  • The Step Up SIP Calculator 2025 transforms complex projections into simple, actionable insights.

  • With flexible contributions and clear forecasts, you can invest with confidence and discipline—maximizing your returns and building a secure financial future.

SIP Hub

FAQs

  • What is SIP?

    A Systematic Investment Plan (SIP) is a disciplined investment method where you invest a fixed amount at regular intervals (monthly, quarterly, etc.) in mutual funds. You choose the amount, frequency, and scheme to align with your financial goals.
  • What are various types of SIP?

    There are four primary SIP types:
    • Step Up SIP: Automatically increases your investment amount periodically (e.g., annually).

    • Flexible SIP: Lets you adjust contributions up/down or skip payments during cash crunches.

    • Perpetual SIP: No fixed end date; redeem funds whenever goals are met.

    • Trigger SIP: Links investments to market triggers (NAV, index levels), but carries higher risk due to speculation.

  • Is it okay if I miss a step up SIP payment?

    Yes, if your mutual fund allows pausing SIPs. Check your fund’s rules or consult your provider to confirm flexibility.
  • How do I start a Step Up SIP online?

    Select a mutual fund aligned with your goals and risk profile, then opt for the Step Up SIP feature during online enrollment. Most platforms let you set the step-up frequency and percentage digitally.
  • Which SIP type is best for beginners?

    Step Up SIP or Flexible SIP are ideal. Step Up grows with your income, while Flexible SIP adapts to cash flow—both balance discipline and adaptability.
  • Is Trigger SIP suitable for long-term goals?

    Not recommended. Trigger SIP relies on market timing, which increases risk. For long-term goals like retirement, opt for Step Up or Perpetual SIP for steady, compounding growth.
  • How does a Step Up SIP differ from a regular SIP?

    A regular SIP invests a fixed amount monthly. Step Up SIP increases your contribution annually (e.g., by 10%), accelerating wealth creation through compounding and rising investments.
  • Can I switch from a regular SIP to a Step Up SIP later?

    Yes, most funds allow you to modify your SIP type online. Contact your provider or use their portal to upgrade your plan.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Disclaimer:# The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds.
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

Sip articles articles

Recent Articles
Popular Articles
Pramerica SIP Calculator

02 Jul 2025

The Pramerica SIP Calculator is a tool for calculating the
Read more
IndiaFirst SIP Calculator

02 Jul 2025

IndiaFirst SIP Calculator is an online tool that helps you
Read more
What is the 15*15*15 Rule In Mutual Funds

19 Jun 2025

The 15*15*15 rule in mutual funds is a powerful investment
Read more
SBI Jan Nivesh SIP

02 Jun 2025

Have you ever wanted to invest but thought you needed a lot of
Read more
Bandhan SWP Calculator

28 May 2025

Planning for your financial future, whether for retirement or
Read more
SIP Plan for 5 Years
  • 15 Apr 2020
  • 187126
Systematic Investment Plans (SIPs) are one of the most efficient and disciplined ways to invest in mutual funds
Read more
SBI SIP Plans (Systematic Investment Plan)
  • 05 Oct 2018
  • 175160
SBI Systematic Investment Plan or SBI SIP Plan is a convenient and disciplined approach to investing in
Read more
Best SIP to Invest for 10 Years~
  • 09 Dec 2021
  • 55331
Investing in mutual funds through Systematic Investment Plans (SIPs) has become a popular and effective way to
Read more
Best SIP Plans for 1,000 Per Month in 2025
  • 18 Feb 2022
  • 94474
Investing in the best SIP plans for ₹1,000 each month is a smart way to grow your money. This article shares
Read more
SBI SWP
  • 07 Apr 2025
  • 3665
SBI SWP, or Systematic Withdrawal Plan, is a popular investment option offered by SBI Mutual Fund. An SBI SWP
Read more

top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL