Step-up SIP Calculator
Model a SIP that rises a little every year, and see the much larger corpus it can build.
A step-up SIP calculator models a SIP that increases by a fixed percentage each year. Because your instalments grow with your income, the final corpus is far larger than a flat SIP of the same starting amount.
Why step up a SIP?
Your income usually rises over time, so keeping your SIP frozen at the starting amount wastes that growth. A step-up (or top-up) SIP raises your monthly investment by a set percentage every year — often 5% to 10% — so your savings keep pace with your salary and inflation.
How much difference does it make?
The extra amounts are invested earliest in each later year, so they enjoy years of compounding. A modest annual step-up can add a strikingly large sum to the final corpus compared with a flat SIP.
💡 Worked example
Start at ₹10,000 a month, step up 10% a year for 15 years at 12%. You could build well over ₹85 lakh — far more than the roughly ₹50 lakh a flat ₹10,000 SIP would reach.
FAQ
Step-up SIP questions
What is a good step-up percentage?
Match it roughly to your expected annual salary increase — commonly 5% to 10%. Even a small step-up compounds into a big difference over long horizons.
Can I set up a step-up SIP automatically?
Most fund houses and platforms offer a top-up or step-up option when you start a SIP, so the increase happens on its own each year.
Is a step-up SIP better than a flat SIP?
For the same starting amount it almost always ends with a larger corpus, because you invest more in later years. The trade-off is a rising monthly outgo.
Does the step-up apply to returns or contributions?
It applies to your contribution — the amount you invest each month rises. Returns are still driven by your expected rate.
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