Step-up / top-up SIP
Your salary rises every year — your SIP should too. See exactly how much more you'll have by increasing your SIP 5%, 10% or 15% a year, versus keeping it flat.
Educational tool — not investment advice. Figures are estimates based on your inputs, not predictions. Details
Tap a preset, or use the inputs below. 10% roughly matches a typical annual increment.
Maturity value (nominal):
Real value of stepped-up corpus: ₹— · Your SIP in the final year: ₹—
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A flat SIP keeps the same contribution for decades, so it shrinks as a share of your rising income every year — you effectively save less in real terms over time. A step-up SIP raises your contribution at a set rate, usually annually, keeping your savings rate roughly constant as you earn more.
Because the extra amounts go in early enough to compound for years, even a 10% step-up can add a substantial sum versus a flat SIP — often the difference between comfortably hitting a goal and falling short. The comparison above shows the gap for your own numbers.
A sensible default is to match your expected annual increment: if you expect roughly 10% raises, a 10% step-up keeps your savings rate steady. Pick the highest rate you can realistically sustain — a step-up you abandon is worse than a modest one you keep.
Questions
A SIP where you increase the monthly contribution by a fixed percentage each year, typically to match your rising income. It's also called a top-up SIP.
It depends on your amount and horizon, but because the extra contributions compound for years, a 10% annual step-up often adds 30% or more to the final corpus versus a flat SIP with the same starting amount. The calculator shows the exact figure for your inputs.
Higher is better for your corpus, but only if you can sustain it. Match your step-up to your expected salary growth, and choose the highest rate you'll realistically maintain.
Yes. The stepped-up result shows both the nominal corpus and its inflation-adjusted real value, with 12.5% LTCG applied.