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Step-Up SIP Calculator

See how increasing your SIP by 10% each year can more than double your final corpus - compare flat SIP vs step-up SIP side by side.

Step-Up SIP Details
Why Step-Up

The Power of Incremental Investing

Mirror Salary Growth

As your salary increases, your SIP increases proportionally. You invest more when you can afford to - without lifestyle inflation eating the increment.

Double Your Corpus

A 10% annual step-up on a ₹5,000/month SIP for 20 years creates over ₹1.1 crore vs ₹49 lakh from a flat SIP - from the same initial investment.

Automate It

SEBI-registered fund houses allow you to register a step-up mandate via NACH - your bank debit adjusts automatically every anniversary without manual action.

FAQ

Frequently Asked Questions

A Step-Up SIP (or Top-Up SIP) increases your monthly investment by a fixed percentage every year. Starting with ₹5,000/month and a 10% step-up means ₹5,500 in year 2, ₹6,050 in year 3, and so on - mirroring salary increments and dramatically growing your corpus.

A ₹5,000/month flat SIP for 20 years at 12% = ~₹49.5 lakh. The same with 10% annual step-up = ~₹1.11 crore - more than double. The compounding on increasing amounts is where the real power lies.

Match your expected annual salary increment - typically 8–15% for Indian salaried professionals. A 10% step-up is the most common recommendation. Even 5% significantly improves your corpus. Choose what you can sustain for the full investment period.

The calculation iterates month-by-month: corpus = (corpus + monthly SIP) × (1 + monthly rate). At each year end, the monthly SIP increases by the step-up percentage. Our calculator shows the full year-by-year growth table with both step-up and flat SIP values side by side.

Yes. Most major fund houses (HDFC, SBI, ICICI Prudential, Axis, Mirae Asset) offer step-up or top-up SIP mandates. You register either a fixed-amount or percentage increase via NACH, and the bank debit adjusts automatically on each anniversary.

Step-up SIP automates increasing investments proportionally to your income - no annual decision needed. Lump sum additions require more discipline and available surplus. Step-up SIP is better for salaried investors who want to invest the increment automatically rather than spending it.