Step-up SIP Calculator
A step-up SIP raises your monthly investment by a fixed percentage every year — usually in line with your salary. It's the single highest-leverage change most investors can make, because it puts more money to work exactly as your capacity to invest grows.
Increasing a SIP 10% a year often does more for your final corpus than squeezing out a 2% better return, and it costs you nothing today. Compare this against a flat SIP and the gap over 15–20 years is striking.
How it works
- 01Your SIP runs for a year at the current amount, then steps up by your chosen percentage for the next year.
- 02Every instalment compounds at the expected monthly return from the month it is invested.
- 03"Market added" is the maturity value minus everything you contributed across all the rising instalments.
Frequently asked
Is a step-up SIP better than a regular SIP?+
For the same starting amount, yes — you invest more over time, so you end with more. The honest comparison is against a flat SIP set at a higher amount; a step-up matches how incomes actually grow, which makes it easier to sustain.
What step-up percentage should I use?+
Tie it to your expected annual salary growth — 8–10% is realistic for most. The point is that the increase should feel automatic and painless, not a stretch.