About This Tool
This step up SIP calculator compares a rising monthly SIP against a flat SIP at the same starting amount. Increase your SIP in line with salary increments and see the extra corpus generated over 10–20 year horizons.
Your inputs
Results
Step-Up SIP Corpus
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Flat SIP Corpus
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Extra Corpus from Step-Up
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Book a Wealth Session →Frequently Asked Questions
What is a step-up SIP and how does it work?
You increase the monthly SIP amount each year by a fixed percentage, matching income growth.
By how much should I increase my SIP each year?
8–15% is common for salaried professionals; align with actual increment bands.
Can I automate annual SIP step-ups with a fund house?
Many AMCs support top-up SIPs; confirm with your platform or advisor.
Is step-up SIP better than starting a new SIP?
A single step-up SIP keeps goal tracking simpler; multiple SIPs can split asset classes.
Does step-up SIP work better in equity or debt funds?
Equity sleeves benefit most from long horizons; debt suits shorter goals.