Step-up SIP Calculator
See how increasing your SIP a little every year grows your wealth far more than a flat SIP.
Estimated total value
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Frequently asked questions
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — usually in line with your rising income. It builds a much larger corpus than a flat SIP for roughly the same effort.
How does the step-up work?
Each year the monthly amount rises by your chosen step-up percentage. For example, a 10% step-up turns a ₹10,000 SIP into ₹11,000 in year two, ₹12,100 in year three, and so on.
How much should I step up each year?
A common choice is 5–10% a year, roughly matching salary growth. Even a small step-up makes a big difference over a long horizon thanks to compounding.
Are the returns guaranteed?
No. The expected return is an assumption; market-linked returns vary year to year and are never guaranteed. Treat the result as an estimate.