Step-Up SIP Calculator
See how increasing your SIP amount annually accelerates wealth creation.
Breakdown
Invested
₹19,06,349
Wealth Gained
₹24,35,576
Total Value
₹43,41,925
Schedule (15 rows)
| Year | Invested | Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,26,000 | ₹1,42,621 |
| 3 | ₹1,98,600 | ₹2,38,205 |
| 4 | ₹2,78,460 | ₹3,53,661 |
| 5 | ₹3,66,306 | ₹4,92,285 |
| 6 | ₹4,62,937 | ₹6,57,867 |
| 7 | ₹5,69,230 | ₹8,54,764 |
| 8 | ₹6,86,153 | ₹10,87,978 |
| 9 | ₹8,14,769 | ₹13,63,250 |
| 10 | ₹9,56,245 | ₹16,87,163 |
What is Step-Up SIP (Top-Up SIP)?
A Step-Up SIP (also called Top-Up SIP) is a variation of a regular SIP where the investment amount increases every year by a fixed percentage. This allows investors to gradually increase their contributions as their income grows, helping build a larger investment corpus over time.
Unlike a regular SIP where the monthly investment stays constant, a Step-Up SIP increases the SIP amount once every year by a fixed step-up rate.
How Step-Up SIP (Top-Up SIP) Works
For example, if your SIP starts at ₹10,000 per month and you choose a 10% annual step-up, your monthly SIP becomes: Year 1: ₹10,000, Year 2: ₹11,000, Year 3: ₹12,100, and so on.
This approach helps investors align investments with salary growth and significantly increase long-term returns through compounding.
Monthly Investments
Regular monthly contributions like a standard SIP
Annual Step-Up
SIP amount increases yearly by a fixed percentage
Monthly Compounding
Interest is compounded monthly for maximum growth
Annuity Due Model
SIP invested at the start of each month for extra compounding
Key Benefits
Income Aligned
Investments grow with your income over the years
Larger Corpus
Builds a much bigger corpus compared to regular SIP
Compounding Maximized
Increasing contributions amplify long-term compounding
Salary Increment Friendly
Ideal for investors expecting annual raises