SIP Step-Up Calculator
Boost your SIP every year with a Step-Up percentage to grow your wealth faster.
What Is a SIP Step-Up Plan?
A Step-Up SIP (also called a Top-Up SIP) allows you to increase your SIP investment every year by a fixed percentage or amount. This helps your investments grow faster as your income increases over time.
How Does a Step-Up SIP Work?
Unlike a normal SIP, where the invested amount stays constant, a Step-Up SIP increases your monthly contribution automatically each year, leading to significantly higher wealth creation through compounding.
- Start with a base SIP amount (e.g., ₹5,000/month)
- Increase it annually (e.g., +10% every year)
- Compounding multiplies the stepped-up contributions
- Ideal for long-term financial goals and rising income levels
Why Use a SIP Step-Up Calculator?
A Step-Up SIP Calculator helps you estimate how much wealth you can accumulate with incremental SIP contributions. It illustrates how small yearly increases can create a substantial difference in long-term returns.
Benefits of Using This Calculator
- Shows wealth growth with annual SIP increments
- Helps plan long-term goals like retirement & education
- Useful for investors expecting salary growth each year
- Visualizes the impact of compounding with step-ups
Step-Up SIP vs Regular SIP
- Regular SIP: Same investment amount every month.
- Step-Up SIP: Amount increases yearly → higher maturity value.
- Great for beating inflation and improving savings discipline.
Who Should Consider Step-Up SIPs?
Step-Up SIPs are ideal for young professionals, salaried employees, and anyone with predictable income growth. It aligns investment capacity with income growth while building wealth more efficiently.