Step-up SIP Calculator
Annual SIP Increase · Compounding Wealth · vs Regular SIP Comparison
AdSense 728×90
SIP Details
Initial Monthly SIP₹5,000
₹500₹2L
Annual Step-up %10%
1%50%
Expected Return12%
6%30%
Investment Period15 Years
1 Yr40 Yrs
Manually Enter
Monthly SIP (₹)
Step-up (%/yr)
Return (%)
Years
Step-up SIP Corpus
₹0
calculating...
Total Invested
₹0
Step-up contributions
Wealth Gained
₹0
Corpus − Invested
Regular SIP Corpus
₹0
Without step-up
Extra Corpus
₹0
Step-up advantage
Step-up SIP Summary
Starting SIP₹0
Final Year SIP₹0
Annual Step-up0%
Total Invested₹0
Regular SIP Corpus₹0
Step-up SIP Corpus₹0
AdSense 300×250
Send Feedback
Found a bug or have an idea to make this tool better? We'd love to hear from you!
Please enter your name.
Enter a valid email address.
This Tool
Please trim — shorter messages get faster attention. 🙏
0 / 2000
Please write at least 10 characters.
Click to upload or drag & drop
PNG, JPG, GIF up to 5MB
? + ?
=
Wrong answer, please try again.
Message received — thank you!We'll review your feedback and get back if needed. You help make nex-calc better!
Frequently Asked Questions
A Step-up (or Top-up) SIP automatically increases your monthly investment by a fixed percentage each year. For example, starting at ₹5,000/month with 10% annual step-up means ₹5,500 in year 2, ₹6,050 in year 3, and so on. It aligns with salary increments and accelerates wealth creation.
Significantly more. A ₹5,000/month regular SIP for 20 years at 12% return gives ~₹50L. The same SIP with 10% annual step-up gives ~₹1.25 Cr — 2.5× more. The compounding effect of both increasing investments AND return stacks powerfully over time.
Most major AMCs support Step-up SIP — Zerodha Coin, Groww, Kuvera, and MF Central all offer this feature. You can register a Step-up SIP while creating a new SIP mandate, or modify an existing SIP to add the top-up instruction. Minimum step-up amounts vary by AMC.
A simple rule: match your expected annual salary hike. If you expect 10% salary increase, step-up SIP by 10% — you won't feel the increase. Even 5% annual step-up has dramatic long-term impact. More aggressive investors use 15–20% step-up in early career years when income growth is faster.
Yes. You can modify or cancel the step-up instruction at any time through your broker or AMC's app/website. The step-up doesn't lock your investment — you can pause the SIP entirely or change the step-up percentage for future increments. Flexibility is one of the key advantages over fixed deposits.