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Step-up SIP Calculator

See how increasing your investments annually accelerates wealth creation.

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Monthly Investment

₹

Annual Step-up %

Expected Return %

Duration (Years)

Maturity Value

₹2,17,09,624

₹2.17 Crore

Total Invested

₹95,31,745

Wealth Gained

₹1,21,77,879

A flat SIP of the same starting amount would grow to ₹1,26,14,400 — stepping up adds ₹90,95,224.

Numbers are a starting point. Judgement is the rest.

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For illustration only. Returns are assumptions, not guarantees. This is not investment advice.

What is a step-up SIP and is it worth it?

A step-up SIP involves increasing your monthly investment by a fixed percentage or amount every year. As your income grows, your capacity to save increases, and a step-up SIP automates this discipline.

The impact of stepping up is non-linear. Even a modest 10% annual increase can double your final corpus over long periods compared to a flat SIP. This is because you are contributing more capital during the years when the power of compounding is at its peak.

A calculator estimates; an advisor accounts for your taxes, existing assets, and risk.

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Step-up SIP Calculator

₹2,17,09,624

What is a step-up SIP and is it worth it?

Begin the conversation.