Investments

Step-Up SIP Calculator

Most people give themselves a salary hike each year — your SIP should follow. See how a 10% annual step-up dramatically beats a flat SIP over the long term.

Inputs

₹
₹500₹2.00 L
%
0%30%
%
1%25%
yr
1 yr40 yr

10% step-up matches average salary hikes — your SIP grows with your income.

Future value
₹1,96,91,798
Total invested
₹68,73,000
Returns
₹1,28,18,798
Final monthly SIP (year 20)
₹61,159
Advantage over flat SIP
+₹97,00,318
Same starting amount, no step-up = ₹99,91,479

Wealth growth with step-up

SIP grows by 10% every year

FAQs

What is a step-up SIP?

An SIP where you increase the monthly amount by a fixed % every year. e.g. start at ₹10,000/mo with 10% step-up → ₹11,000 in year 2, ₹12,100 in year 3, etc. Matches typical salary growth.

How much extra does step-up generate?

A 10% step-up over 20 years roughly doubles the corpus vs flat SIP starting at the same amount. The compounding compounds on a growing principal — magic.

Is step-up SIP supported by all fund houses?

Yes — major platforms (Groww, Zerodha Coin, Kuvera, MF Central, fund AMCs) all support step-up SIP. Set the auto-increase % and frequency at SIP setup. You can also manually increase any time.

What step-up % should I use?

Match your expected salary hike — 8–10% for IT services, 10–15% for high-growth careers. Lower bound = inflation rate (5–6%) — anything less means real SIP is shrinking over time.