Step-Up SIP Calculator

Most Indians invest the same SIP amount for years — sometimes decades — without ever increasing it. Meanwhile, their salary grows, their expenses inflate, and their investment amount stays frozen in time. A Step-Up SIP solves this almost automatically.

A Step-Up SIP simply increases your monthly contribution by a fixed percentage (typically 5–15%) each year. This mirrors natural salary growth and ensures your investing keeps pace with your life. The wealth difference over 20–25 years is staggering.

Example: A ₹10,000 flat monthly SIP at 12% for 25 years grows to ₹1.89 crore. The same ₹10,000 start with 10% annual step-up grows to ₹3.64 crore — almost double the wealth, from simply increasing your SIP by ₹1,000 in the second year, ₹1,100 in the third, and so on.

The reason this works so powerfully is that later years of investing contribute the highest-value SIP amounts — and because early-year amounts have compounded significantly, the combination creates an accelerating wealth curve. If your employer gives you a 10% raise, routing even 5% of that increase to a step-up SIP is one of the highest-return financial decisions you can make each year.