Step-Up SIP Calculator
See how increasing your SIP contribution every year accelerates your corpus versus a flat monthly SIP.
About the Step-Up SIP Calculator
A step-up (or top-up) SIP increases your monthly instalment by a fixed percentage every year, typically in line with salary growth. Even a modest 10% annual step-up can add lakhs to the final corpus compared to a flat SIP, because the larger later instalments still get years to compound.
This calculator raises the monthly amount once every 12 months by the step-up percentage you choose and compounds each year's contributions at the expected return.
Frequently asked questions
How much should I step up my SIP each year?
A common rule of thumb is to match your annual salary increment — typically 5–10% — so the higher instalment never feels like a stretch.
Do fund houses support automatic step-up?
Yes, most AMCs and platforms let you set an annual top-up percentage or amount when you register the SIP.