Step-Up SIP Calculator
Increase your SIP annually and see the compounded difference
Initial Monthly SIP₹5,000
₹500₹1,00,000
Annual Step-Up %10% per year
1%25%
Investment Period15 Years
1 Yr40 Yrs
Expected Return12% p.a.
1%30%
Step-Up SIP Corpus
₹50.4L
With 10% annual increase over 15 years
₹19.1L
Total Invested
₹31.3L
Wealth Gained
₹25.2L
Normal SIP Corpus
₹25.2L
Extra Earned
⚠ Disclaimer: Estimates only. Actual returns may vary. Not financial advice.
What is Step-Up SIP?
A Step-Up SIP (also called Top-Up SIP) increases your monthly investment by a fixed percentage every year. As your salary grows, your investments grow too – dramatically boosting your final corpus through the power of compounding.
Why Step-Up SIP Makes Sense
- Aligns your investments with your income growth
- Beats inflation more effectively than flat SIPs
- Small annual increases create massive long-term wealth
- A 10% annual step-up can nearly double your final corpus
FAQs
How do I set up a Step-Up SIP?
Most mutual fund platforms and AMCs allow you to enable Step-Up SIP while setting up your regular SIP. You choose the annual increase percentage at the start.
What step-up % should I choose?
A 10% annual step-up is a popular choice as it roughly matches average salary growth in India. Even 5% makes a significant difference over the long term.