Step Up SIP Calculator
Calculate returns when you increase your SIP amount annually. See how stepping up builds wealth faster.
Step Up vs Regular SIP Comparison
Regular SIP Total
₹57,96,149
Step Up SIP Total
₹81,72,246
Extra Wealth Generated: ₹23,76,097 (41.0% more)
Year-wise Investment Breakdown
| Year | Monthly SIP | Yearly Investment | Cumulative Investment | Value at Year End |
|---|
Step Up SIP Formula
FV = Σ [Py × (1 + r)n-m]
Where P increases by step-up % yearly
FV = Future Value
Py = Monthly Investment in Year y
r = Monthly Rate of Interest
n = Total Months
m = Month of Investment
What is Step Up SIP?
Step Up SIP (also called Top-Up SIP) allows you to increase your SIP amount by a fixed percentage every year. This helps you invest more as your income grows.
Benefits of Step Up SIP:
- Beats Inflation Over Time
- Aligns with Salary Increments
- Builds Larger Corpus
- Accelerates Goal Achievement
- Power of Compounding Amplified
💡 Pro Tip
Set your annual step-up percentage slightly lower than your expected salary increment (5-10%). This ensures your investment growth is sustainable without straining your monthly budget.