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Step up SIP calculator

A step-up SIP raises your monthly installment every year, usually in line with your income. Enter your SIP and the yearly step-up (set to 10% here) to see what it could grow to, compared with a SIP that never changes, or work backwards to the starting SIP you need for a goal.

SIP

See what a monthly SIP could grow to, or the SIP you need to reach a goal.

What your firm compares your best day with
Most firms check this before a payout: your best day can't be more than a set share of your total profit.
Consistency limit %

Your trading days

How to enter your results
Net profit or loss of each trading day in this payout period, in your account currency. Type losing days with a minus, like -80. Tip: paste a column of numbers from Excel or your journal into any box to fill several days at once.
Lot size you want to open
Direction
Your firm measures the limit on
80% is common, but use your firm's own number. Your rulebook says whether it counts balance or equity.

Trades already open optional

How to add open trades

Risk and stop loss optional

Risk per trade
1 pip = 0.0001 price move

Daily loss limit optional

Your broker lists these in the symbol's contract specification (MT4/MT5: right-click the symbol, then Specification).
Lot size
What do you want to work out?
Expected return % a year
Time period years
Step-up, inflation and return method
Step-up raises your SIP once a year, for example by 10% after a pay rise. Inflation is only used to show the value in today's money.
What do you want to work out?
Expected return % a year
Time period years
Inflation
What are you compounding?
A yearly interest rate, like a fixed deposit, a bond or an investment return.
Contract settings
These match most brokers. If yours differs, change them here and every calculator uses your numbers.

Disclaimer

Results are estimates for planning only. Your broker's prices, leverage, contract sizes and swap rates decide the real numbers, so check them in your trading platform before you place a trade. Trading forex and CFDs on margin carries a high risk of losing money.

Results are estimates based on the return or growth rate you enter, applied the same way every period. Real returns go up and down, and investing or trading can lose money. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. PipLedger is not a SEBI-registered investment adviser, and this is not investment advice.

What a step-up does to your SIP

A step-up SIP, also called a top-up SIP, increases the installment at a set interval, usually once a year, by a percentage or a fixed amount. This calculator uses a yearly percentage: with a 10% step-up, ₹10,000 a month becomes ₹11,000 in the second year, ₹12,100 in the third, and so on.

What a ₹10,000 monthly SIP grows to, with and without a yearly step-up
₹10,000 a month at 12%10 years15 years20 years25 years
No step-up₹22.4 lakh₹47.59 lakh₹91.99 lakh₹1.7 crore
5% a year₹26.94 lakh₹61.91 lakh₹1.28 crore₹2.48 crore
10% a year₹32.69 lakh₹82.75 lakh₹1.86 crore₹3.94 crore
15% a year₹39.99 lakh₹1.13 crore₹2.86 crore₹6.77 crore

Over 20 years a 10% step-up roughly doubles the result. Over longer periods the gap widens further, because the installment keeps rising: by year 25 a 10% step-up has taken ₹10,000 to about ₹98,500 a month.

You invest more, so compare fairly

20 years at 12%You investIt grows toGainLast monthly installment
No step-up₹24 lakh₹91.99 lakh₹67.99 lakh₹10,000
10% step-up₹68.73 lakh₹1.86 crore₹1.18 crore₹61,159

Part of the bigger result is simply the extra money you put in. The point of a step-up is that the extra comes from future pay rises, if you get them, rather than from today's budget. If your income doesn't grow, a step-up you can't keep up with is worse than a steady SIP.

Starting SIP for a goal

To reach ₹1 crore in 20 years at 12% a year, you need about ₹10,872 a month with no step-up, or a starting SIP of about ₹5,368 a month with a 10% yearly step-up. Choose SIP for a goal in the calculator to try your own target.

How the calculator works

Each installment goes in at the start of its month and grows at the monthly equivalent of your yearly return. The installment rises by the step-up percentage after every 12 installments. The return is an assumption: real funds go up and down, so read the result as one possible outcome, not a promise. The main SIP calculator explains the formula, choosing a return and inflation in detail.

Setting up a step-up with your fund house

Many fund houses and investment apps offer a top-up, usually a fixed amount or a percentage at half-yearly or yearly intervals. Some allow it only when you register the SIP, and some set a minimum such as 10%, so check the options first. If yours doesn't offer it, you can start a second SIP each year for the increase.

Frequently asked questions

What is a step-up SIP?

A SIP whose installment rises automatically at set intervals, usually by a percentage or fixed amount each year. Fund houses also call it a top-up SIP.

Is a 10% step-up SIP good?

It can make a large difference: ₹10,000 a month for 20 years at 12% grows to about ₹91.99 lakh without a step-up and ₹1.86 crore with a 10% yearly step-up, though you also invest ₹68.73 lakh instead of ₹24 lakh. It only works if your income grows enough to keep it up.

How is a step-up SIP calculated?

Each year's 12 installments are the previous year's installment increased by the step-up percentage. Each installment then grows at the assumed monthly return until the end.

Can I stop the step-up later?

Often, but it depends on the fund house or app. Some let you change or stop the top-up on its own; others only by cancelling the SIP and starting a new one. Check before you sign up.

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