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Step-up SIP calculator
Raise your monthly SIP by a fixed percentage every year, the way your salary rises, and see what it adds to your corpus.
Why stepping up matters so much
A flat ₹10,000 SIP for 20 years at 12% grows to about ₹1 crore. Raise it by 10% every year and the same plan grows to about ₹1.99 crore. You invest more, about ₹68.7 lakh instead of ₹24 lakh, but the bigger instalments still have years to compound, so the corpus nearly doubles.
Monthly SIP in year n = Starting SIP × (1 + step-up)^(n − 1)
Each year’s instalments are compounded monthly to the end date, then added together. Use the Compare tab: pin a 0% step-up, then set 10% to see the difference side by side.
Questions
How much should I step up?
Match it to your expected pay rise. Many investors use 10%; even 5% makes a large difference over 15 years or more.
Can I set up a step-up SIP with my fund house?
Most fund houses and investment apps offer a “top-up” option that raises the SIP by a fixed amount or percentage each year automatically.