Input type
Smart SIP Planner
Step-up SIP calculator with annual increment
Your monthly SIP grows every year by the step-up percentage. See how increasing your SIP annually can dramatically boost your final corpus.
Annual SIP increment
Compounding growth
Higher corpus potential
Best for
Salary-linked saving
Output
Corpus at term end
Enter step-up SIP details
Set initial monthly SIP, annual step-up rate, expected return, and tenure.
Before you calculate
- Step-up % increases the SIP amount at the start of each year.
- A 10% step-up means your ₹5,000 SIP becomes ₹5,500 in year 2, ₹6,050 in year 3, etc.
- This mirrors salary increments and accelerates wealth creation.
Why step up your SIP?
Annual salary hikes provide the opportunity to increase savings proportionally. A 10% annual step-up can nearly double the final corpus compared to a flat SIP over 15 years.
About Step-up SIP
A step-up SIP (also called top-up SIP) allows investors to increase their monthly investment amount annually. This aligns wealth creation with income growth.
How annual step-up works
Each year, the monthly SIP increases by the specified percentage. The compounding effect of this increment is significant over long investment horizons.
Ideal step-up percentage
A 5–15% annual step-up is practical for most investors. Match it roughly to your expected annual income growth to keep it sustainable.
Step-up vs flat SIP
With a 10% annual step-up, a ₹5,000 SIP can generate significantly more corpus than a flat ₹5,000 SIP over 15–20 years at the same return rate.
Before final decision
Ensure your financial obligations allow for annual increases before committing to step-up SIP mandates with your mutual fund house.