PLANNING
Step-up SIP calculator
Raise-linked monthly SIP · Flat vs. step-up comparison · Inflation-adjusted view
How a step-up SIP works
A step-up SIP raises your monthly contribution by a fixed percentage every year, rather than keeping it flat - most people time the increase to an expected annual raise. The effect compounds: a larger contribution invested earlier has more years to grow, so the gap between a step-up SIP and a flat one widens every year, not just linearly. This calculator runs the same projection twice - once flat, once stepped up - so you can see exactly how much that gap is worth for your own numbers.
Assumes monthly compounding at a constant annual return · Not financial advice · For scenario analysis only
Frequently asked questions
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year, instead of staying flat. If your SIP is ₹10,000/month with a 10% annual step-up, year 2 starts at ₹11,000/month, year 3 at ₹12,100/month, and so on - usually timed to match an expected annual raise.
How much faster does a step-up SIP grow than a flat one?
It depends on the step-up rate, the return assumed, and how many years you invest - the gap compounds, so it is small in the early years and large by the end. Use the calculator above with your own numbers; it shows the flat-SIP corpus and the step-up corpus side by side for the exact inputs you choose.
Is a step-up SIP riskier than a flat SIP?
No - the investment itself carries the same market risk either way, since both are the same underlying fund. A step-up SIP only changes how much you contribute each year, not what you invest in. The real risk is committing to a step-up rate your income growth cannot actually sustain.