Step-up SIP Calculator
See how increasing your SIP every year supercharges your corpus.
Why step up?
Your income usually rises every year — a step-up SIP raises your monthly contribution by a fixed percentage annually so your investing keeps pace with your salary. The compounding effect on the extra contributions is dramatic over 15–20 years.
The math
Each year the monthly amount is multiplied by (1 + step-up%). We compound every month at the monthly return and grow the contribution once a year.
Frequently asked questions
What step-up rate should I pick?
A 10% annual step-up roughly matches typical salary growth in India. Even 5% meaningfully beats a flat SIP over long periods.