Step-Up SIP Calculator
See how increasing your SIP every year supercharges your final corpus.
Total Value
₹ 85,97,871
A Step-Up SIP (also called a Top-Up SIP) lets you increase your monthly investment by a fixed percentage every year — usually in line with your annual salary hike. This calculator shows how that small yearly bump compounds into a far larger corpus than a flat SIP.
Why step-up beats a flat SIP
Because your income usually rises every year, keeping your SIP flat means you invest a shrinking share of your salary. A 10% annual step-up keeps your investing power growing — and since the extra amounts compound for years, the difference at the end can be enormous.
💡 Example
A ₹10,000 SIP for 15 years at 12% grows to about ₹50 lakh. Add a 10% annual step-up and the same plan can cross ₹85 lakh — without you ever feeling the pinch, because each increase matches your raise.
Frequently Asked Questions
What is a step-up SIP?
A step-up (top-up) SIP automatically increases your monthly investment by a set percentage each year, helping your investments keep pace with your rising income.
What step-up percentage should I choose?
Most investors set it close to their expected annual salary hike — commonly 5% to 10%. Even a 10% step-up can significantly boost your final corpus.
Is a step-up SIP better than a regular SIP?
For most salaried investors, yes. It invests more over time and harnesses compounding on the higher amounts, usually producing a much larger maturity value.
