Step Up SIP Calculator
Calculate returns with step-up SIP. See how increasing your SIP by 10-15% yearly can grow your wealth significantly faster.
How Step-Up SIP Works
Each year's increased SIP compounds for the remaining years, creating substantially more wealth than a flat SIP.
Frequently Asked Questions
What is a Step-Up SIP?
A Step-Up SIP (or Top-Up SIP) increases your SIP amount by a fixed percentage or amount every year. This helps your investments keep pace with rising income.
How much should I step up my SIP?
A 10-15% annual step-up is ideal. This roughly matches salary increments and significantly boosts long-term wealth without straining your budget.
Is step-up SIP better than regular SIP?
Yes, significantly. A 10% annual step-up over 20 years can create 50-70% more wealth than a flat SIP with the same starting amount.
Can I do step-up SIP in any mutual fund?
Most major AMCs and platforms like Groww, Zerodha Coin, and Kuvera support step-up or top-up SIP registration.