Step-Up SIP Calculator
Calculate how increasing your SIP annually by 10-15% accelerates your wealth creation. Compare regular SIP vs step-up SIP.
📈Step-Up SIP Details
🚀 Step-Up SIP Value
₹1.99 Cr
Invested: ₹68.73 L
Regular SIP Value (no step-up)
₹99.91 L
Invested: ₹24.00 L
💰 Extra Wealth from Step-Up
₹98.97 L
99% more than regular SIP!
Step-Up vs Regular SIP Growth
Your SIP Amount Over Time
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Accelerated Growth
See how annual SIP increases turbocharge your wealth creation.
Side-by-Side
Compare step-up SIP vs regular SIP growth in one chart.
Extra Wealth
Know exactly how much MORE you earn by stepping up.
How to Use
Set Starting SIP
Enter your current monthly SIP amount.
Choose Step-Up %
Set annual increase (10-15% is ideal).
Set Return & Period
Enter expected returns and investment period.
Compare Results
See step-up vs regular SIP difference.
The Formula
SIP(year) = SIP(initial) × (1 + stepUp%)^yearFrequently Asked Questions
What is a Step-Up SIP?
A Step-Up SIP (also called Top-Up SIP) automatically increases your monthly SIP by a fixed percentage every year. If you start with ₹10,000 and set 10% step-up, your SIP becomes ₹11,000 in year 2, ₹12,100 in year 3, and so on.
How much should I step up my SIP?
A 10-15% annual step-up is ideal and roughly matches salary increments. This ensures your savings grow with your income without impacting lifestyle.
How much difference does step-up make?
Massive difference! ₹10,000 SIP at 12% for 20 years: Regular = ₹99.9L, Step-Up 10% = ₹1.90Cr. That's nearly DOUBLE the wealth!
Can I do step-up SIP on any platform?
Yes, most platforms like Groww, Zerodha Coin, Kuvera, and AMC websites offer step-up/top-up SIP option. Some allow monthly, quarterly, or yearly step-ups.
Should I step-up SIP or start new SIPs?
Step-up existing SIPs is simpler and achieves the same goal. Starting new SIPs is useful when you want to add different fund categories.