Step-up SIP Calculator
Set a starting SIP and an annual increase percentage — see how much further a growing SIP goes than a flat one.
Your step-up SIP
Why step up at all?
A flat SIP amount becomes a shrinking share of your income as your salary grows, which quietly reduces your savings rate over time even though nothing about the SIP itself changed. Stepping up keeps your investment growing in line with your earning power instead of falling behind it.
A practical way to compare
Try the same starting amount with 0% step-up (a flat SIP) and then again with a realistic step-up for your situation. The difference in final corpus is the value of simply increasing your instalment as your income allows — no extra return, no extra risk, just more invested earlier.
Frequently asked questions
What is a step-up SIP?+
A step-up (or 'top-up') SIP automatically increases your monthly instalment by a fixed percentage every year, instead of keeping it flat for the entire tenure. It's designed to track rising income — the same percentage of a growing salary, rather than a fixed rupee amount that shrinks in relative terms as you earn more.
How much difference does a step-up actually make?+
More than most people expect, because the increases compound alongside the returns. Set the step-up to 0% in this calculator to see your flat-SIP baseline, then raise it to 10% and compare the final corpus — the gap widens the longer the duration.
What step-up percentage is realistic?+
A common starting point is to match your expected annual salary increment, often somewhere around 8–10% for salaried investors in India, though this varies a great deal by career stage and industry. There's no universally 'right' number — it should be sustainable for your actual income growth.
What does "Final year SIP" mean in the results?+
It's your starting monthly SIP after compounding the step-up percentage for every year of the tenure — in other words, what you'd actually be investing per month in the final year of the plan, useful for sanity-checking that the number stays affordable.