Step-Up SIP Calculator
Accelerate your wealth creation by increasing your SIP investments annually
See how stepping up your SIP investment by a fixed percentage each year can significantly boost your returns and help you reach your financial goals faster.
Calculate Step-Up SIP
Your investment will increase by this % every year
Pro Tip: Step-Up SIP is ideal for salaried professionals expecting regular income growth. By increasing your investment along with your income, you maintain financial discipline while accelerating wealth creation.
Understanding Step-Up SIP
What is Step-Up SIP?
A Step-Up SIP is an advanced version of regular SIP where your investment amount increases periodically (typically annually) by a predetermined percentage.
- Aligns with income growth
- Accelerates wealth creation
- Combats lifestyle inflation
Why Choose Step-Up SIP?
- Higher Returns: Significantly outperforms regular SIP
- Inflation Beating: Keeps pace with rising costs
- Goal Achievement: Reach targets faster
- Disciplined Approach: Automatic increments
Recommended annual step-up percentage
Ideal investment horizon
Potential additional wealth vs regular SIP
How Step-Up SIP Works
Start with Initial Amount
Begin your SIP with a comfortable monthly investment amount (e.g., ₹5,000)
Set Step-Up Percentage
Choose an annual increment rate (typically 10-15% matching salary growth)
Automatic Annual Increase
Your monthly investment grows each year (Year 1: ₹5,000 → Year 2: ₹5,500 → Year 3: ₹6,050...)
Accelerated Wealth Creation
Benefit from higher investments in later years, compounding significantly over time
Ideal For
Important Considerations
- • Ensure the step-up rate is sustainable based on your expected income growth
- • Review and adjust your step-up percentage annually if needed
- • Past performance doesn't guarantee future returns - choose realistic return expectations
- • Continue for the long term to maximize the benefits of compounding