Step-Up SIP Calculator: Grow Your Investment Yearly

Your income rises every year — your SIP can too. This calculator shows how a yearly step-up supercharges your corpus.

What is it?

A step-up (or top-up) SIP increases your monthly contribution by a fixed percentage each year, so your investing keeps pace with your income.

How is it calculated?

Each year the monthly amount is raised by the step-up rate, and every contribution compounds at the assumed return until maturity.

Example

₹10,000 a month with a 10% annual step-up at 12% for 20 years can build a substantially larger corpus than a flat SIP of the same starting amount.

Key things to know

• Even a 5-10% yearly step-up makes a big long-run difference.
• Link the step-up to your annual raise.
• Start as early as possible.
• Review and rebalance periodically.

What to do next

Set up a step-up SIP through your investment app.

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Frequently asked questions

How is it different from a normal SIP?
The monthly amount rises each year instead of staying flat.

What step-up rate should I pick?
Something close to your expected salary growth, often 5-10%.

Can I change it later?
Yes, you can adjust the step-up as your income changes.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.