Step-up SIP Calculator
See how increasing your SIP amount every year can dramatically boost your long-term returns.
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Everything you need to know
Regular SIP Is Great. Step-up SIP Is Better.
Here's the thing — your salary (hopefully) goes up every year, but if your SIP stays the same amount year after year, you're leaving serious money on the table. A step-up SIP automatically increases your monthly investment by a percentage each year, so your investment grows alongside your income.
How It Works
It's super simple. You start with a monthly SIP amount, pick an annual step-up percentage (most people go with 10-15%), and the calculator shows you the difference vs. a regular SIP. The extra wealth column will probably surprise you — even a 10% step-up adds up massively over 15-20 years.
Real Talk: The Numbers Are Wild
Let's say you invest ₹10,000/month at 12% returns for 20 years. A regular SIP gives you roughly 4x your total investment. But with just a 10% annual step-up, the final corpus can be over 2.5× larger than a flat SIP — and you'll end up with around 5x your total contributions. Same discipline, same fund — just a small annual bump in your contribution.
When Should You Step Up?
- Got a raise? Channel at least half of the increase into your SIP.
- Bonus season? Consider a lump sum on top of your step-up.
- Just starting out? Even a small amount with a 15% step-up beats a much larger flat SIP over 20 years.
Related Tools
Compare with a flat monthly SIP using the SIP Calculator, see lump-sum growth with the Compound Interest Calculator, or check your pay breakdown with the Salary Calculator.