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Step-up SIP
Raise your SIP a little each year as your income grows. See how that small annual bump compounds against a flat SIP.
Σ annuity-due, contribution ×(1+g) each yearA step-up (or top-up) SIP increases your monthly contribution by a fixed percentage every year — usually in line with your salary growth. Because the extra contributions also compound, even a modest 10% annual step-up can dramatically outgrow a flat SIP over 15–20 years, often building a 50–80% larger corpus for the same starting amount.
Frequently asked
- What is a step-up SIP?
- A step-up SIP automatically raises your monthly investment by a set percentage each year. For example, a ₹10,000 SIP with a 10% step-up becomes ₹11,000 in year two, ₹12,100 in year three, and so on.
- Why does a step-up SIP build so much more?
- You invest more over time and each increase compounds for the remaining years. The combination of larger contributions and long compounding produces a much bigger final corpus than keeping the SIP flat.
- What step-up percentage should I pick?
- A good starting point is to match your expected annual salary increment — often 5–10%. The calculator lets you test any rate so you can see the impact on your final corpus.