Step-Up SIP Calculator — Increase Your SIP Every Year, Multiply Your Wealth

Step-up SIP (also called SIP top-up) is a smart investment strategy where you increase your SIP amount by a fixed percentage every year. As your salary grows, so does your SIP — that is the concept behind step-up SIP. Our step-up SIP calculator shows you how much more wealth you can build compared to a regular SIP.

How Much Difference Does Annual Step-Up Make?

A huge difference! Consider this example: a regular SIP of ₹5,000/month at 12% return grows to approximately ₹25 lakh in 15 years. But with a 10% annual step-up, the same 15 years can yield over ₹40 lakh — that's ₹15 lakh extra! That is the real power of step-up SIP.

How Much Should You Step Up Each Year?

Ideally, match your step-up percentage to your annual salary increment or keep it slightly lower. If your salary grows by 10–15% per year, a 10% step-up is comfortable. Even a minimum 5% step-up makes a significant difference over the long term.