Step-Up SIP Calculator

A step-up SIP (also called top-up SIP) automatically increases your monthly SIP amount by a fixed percentage every year. For example, ₹5,000/mo with 10% step-up becomes ₹5,500 in Year 2, ₹6,050 in Year 3, and so on. This aligns your investments with salary growth and dramatically increases final corpus.

A ₹5,000/mo SIP with 10% step-up at 12% returns for 20 years gives approximately ₹1.03 Cr vs ₹49.9L from regular SIP — that's 107% more wealth. The advantage grows exponentially with time and step-up rate.

Match your step-up rate to your expected salary increment: 5% for conservative careers, 10% for average IT/corporate jobs, 15% for fast-growth startups. Never set step-up higher than your actual salary growth — you'll struggle to maintain it.

Yes. Most fund houses and platforms (Groww, Zerodha Coin, Kuvera) offer step-up SIP facility. You set the annual increment percentage when starting the SIP. Some platforms call it 'top-up SIP'. Check with your platform for exact process.

Step-up SIP is better for salaried individuals who get regular income and annual increments. It combines rupee-cost averaging (SIP benefit) with increasing allocation (salary-linked). Lumpsum is better only if you have a large amount available today and markets are at a correction.