Step-up SIP Calculator
Raise your SIP a little every year and watch the corpus jump. Tune the step-up and horizon.
Your SIP in year 1
Increase each year, e.g. with your salary
Equity ~12%, Hybrid ~9%, Debt ~7%
The longer, the bigger the step-up effect
Total invested
₹57.19 L
₹57,19,047
Wealth gained
₹73.07 L
₹73,06,727
Future value
₹1.30 Cr
₹1,30,25,774
Growth over time
How this is calculated
How it works: We simulate the SIP month by month and increase the monthly amount by your step-up percentage at the start of each year, so later, larger contributions still get years to compound.
Returns are indicative; equity funds ~12%, hybrid ~9%, debt ~7%. A 10% annual step-up is common.
Past performance is not indicative of future returns. Mutual fund investments are subject to market risks.
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Frequently asked questions
What is a step-up (top-up) SIP?
A step-up SIP automatically increases your monthly investment by a fixed percentage each year — for example, 10% annually — usually in line with your salary growth. It compounds far more than a flat SIP because you invest progressively more over time.
How much difference does a step-up make?
Even a 10% annual step-up can grow your final corpus by 30–60% over a long horizon versus a flat SIP, because the larger later contributions still get years to compound.
Should I step up my SIP every year?
If your income rises annually, stepping up keeps your investing in pace with inflation and lifestyle, and accelerates goal achievement without feeling like a big jump in any single year.
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