Step-up SIP Calculator
A Step-up (or Top-up) SIP automatically increases your monthly investment by a fixed percentage every year — aligned with salary increments. Even a 10% annual step-up can nearly double your final corpus compared to a flat SIP. This calculator shows exactly how much more wealth you build.
Frequently Asked Questions
What is a step-up SIP?+
A step-up (or top-up) SIP automatically increases your SIP amount by a fixed percentage every year. For example, a ₹5,000 SIP with a 10% annual step-up becomes ₹5,500 in year 2, ₹6,050 in year 3, and so on. Most AMCs and brokers offer this as an automatic option when setting up a SIP.
How much difference does step-up make?+
Significantly. A ₹5,000 flat SIP at 12% for 20 years gives ≈₹50L. The same SIP with a 10% annual step-up gives ≈₹1.1 Cr — more than double. The compounding of both the SIP amount and the return rate creates an exponential effect.
When should I start a step-up SIP?+
As early as possible. The step-up benefit compounds over time — starting at 25 vs 35 can mean 3–5× the final corpus. Align the step-up rate with your expected annual salary increment (typically 8–15% in India) so the increase feels painless.
What step-up rate should I use?+
Match it to your annual increment. If you expect a 10–12% salary hike, a 10% step-up is sustainable — your SIP amount grows with income without impacting lifestyle. Conservative savers can use 5%; aggressive wealth builders can use 15–20%.