Step-Up SIP Calculator

Calculate returns with yearly SIP amount increase for faster wealth creation.

Starting Monthly SIP

₹

Annual Step-Up

Expected Return (p.a.)

Time Period

years

Results

Step-Up SIP Value₹43.42 L

Total Invested₹19.06 L

Wealth Gained₹24.36 L

Regular SIP Value (comparison)₹25.23 L

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What is Step-Up SIP?

A Step-Up SIP (also called Top-Up SIP) is a systematic investment plan where you increase your monthly investment by a fixed percentage every year. This aligns with salary increments — as your income grows, your investment grows too.

The impact is dramatic: a ₹5,000 SIP with 10% annual step-up for 15 years at 12% returns gives ₹35+ Lakhs vs ₹25 Lakhs with regular SIP — that's 40% more wealth from the same starting amount.

Formula

For each year, the monthly SIP increases: Year 1: ₹5,000/month Year 2: ₹5,500/month (10% increase) Year 3: ₹6,050/month ...and so on.

Each monthly installment compounds independently: FV = Σ [Monthly Amount × (1 + r)^(remaining months)]

How to use this Step-Up SIP Calculator?

1. Enter your starting monthly SIP amount. 2. Set the annual step-up percentage (10% matches typical salary hikes). 3. Enter expected return rate. 4. Choose time period. 5. Compare step-up SIP value vs regular SIP value.

Frequently asked questions

What is a good step-up percentage?

10-15% is ideal as it roughly matches annual salary increments in India. Even 5% step-up makes a significant difference over 15-20 years.

How to set up step-up SIP?

Most fund houses (Groww, Zerodha, direct AMC websites) allow you to set up step-up SIP. You specify the increase percentage and it auto-increases annually.

Is step-up SIP better than lumpsum top-up?

Both work. Step-up SIP is more disciplined and automatic. Lumpsum top-ups (from bonuses etc.) can complement your regular or step-up SIP for even faster growth.

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