Step-Up SIP Calculator
See how much more wealth you build by increasing your SIP every year compared to staying at a flat amount.
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How this calculator works
A Step-Up SIP (also called Top-Up SIP) automatically increases your SIP contribution by a fixed percentage each year โ usually matching your salary increment. Since your income grows over time, this ensures your investment rate keeps pace. Even a 10% annual step-up can nearly double your final corpus compared to a flat SIP at the same starting amount, because more money enters the fund during the later high-compounding years.
Annual SIP in Year N = Starting SIP ร (1 + Step-up %) ^ (Nโ1) | Corpus = sum of each month's compounded value at the expected return
Last updated: March 2026 ยท Rates and slabs updated for FY 2025-26
Step-up โฅ your salary hike
A good rule: set your SIP step-up % equal to your expected annual salary increment. This way you invest more as you earn more, without lifestyle inflation.
Even 5% step-up helps significantly
A 5% annual step-up on a โน10,000 SIP over 20 years at 12% return adds roughly โน30โ40 lakhs to your corpus vs flat SIP.
Automate it
Most AMCs and platforms (Zerodha, Groww, Kuvera) support automatic SIP step-up every April. Set it once and forget it.
Frequently Asked Questions
A good rule: set your SIP step-up % equal to your expected annual salary increment. This way you invest more as you earn more, without lifestyle inflation.
A 5% annual step-up on a โน10,000 SIP over 20 years at 12% return adds roughly โน30โ40 lakhs to your corpus vs flat SIP.
Most AMCs and platforms (Zerodha, Groww, Kuvera) support automatic SIP step-up every April. Set it once and forget it.