How This Works
A Step-up (or Top-up) SIP increases your monthly investment by a fixed percentage every year, rather than keeping it flat for the entire tenure. Since most people’s income rises over time, stepping up the SIP in line with income growth lets you invest more without feeling a bigger pinch each year, while meaningfully growing your final corpus.
This calculator compares your step-up SIP against an equivalent flat SIP (same starting amount, same rate, same tenure) so you can see exactly how much extra corpus the annual increase adds.
Frequently Asked Questions
What is a step-up SIP?
A step-up SIP is a SIP where the instalment amount automatically increases by a chosen percentage every year, instead of staying fixed for the whole investment period.
How much should I step up my SIP by?
A common approach is to tie the step-up percentage to your expected annual salary increment (commonly 5–10% per year), so the additional investment doesn’t strain your budget.
Does a step-up SIP really make a big difference?
Yes, especially over longer tenures — because the increases compound as well, a modest annual step-up can meaningfully increase your final corpus compared to a flat SIP of the same starting amount. See the "Extra vs flat SIP" figure in your result for the exact difference.
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