Step-Up SIP Calculator
Increase your SIP every year and see how much extra wealth it creates
A step-up SIP (also called a top-up SIP) automatically increases your monthly investment by a fixed percentage each year. This matches your growing income and dramatically accelerates wealth creation through compounding.
Why Step-Up SIP Beats Regular SIP
Most people get salary hikes of 8-15% every year but keep their SIP amount fixed. A step-up SIP aligns your investments with your income growth. The difference is dramatic — a 10% annual step-up on a ₹10,000 SIP for 15 years can create 50-70% more wealth than a fixed SIP.
The math works because your increased investments get the full benefit of compounding for the remaining years. An extra ₹1,000/month added in year 3 compounds for 12 more years.
How to Set Up a Step-Up SIP
- Start with an amount you're comfortable with today (even ₹1,000/month is fine)
- Set your annual step-up to match your expected salary growth (10% is a good default)
- Most AMCs (Groww, Zerodha Coin, Kuvera) offer automatic step-up SIP — set it once and forget
- Review annually: if you got a bigger raise, increase the step-up percentage
Frequently Asked Questions
What is a good step-up percentage?
10% is the most common and matches average Indian salary growth. If you're early in your career with faster growth, 15-20% is better. Conservative option: 5-7%. The key is to set it at or below your expected salary hike so it doesn't strain your budget.
Can I do step-up SIP on Groww or Zerodha?
Groww supports step-up SIP directly in the app — you can set annual increase amount or percentage. Zerodha Coin and Kuvera also support this feature. Check your platform's SIP modification settings.
Step-up SIP vs Lump Sum top-up — which is better?
Step-up SIP is automated and disciplined — you set it once. Lump sum top-ups (investing bonus or windfall) are great but depend on you remembering to do it. Ideally, do both: automated step-up SIP + invest any bonuses as lump sums.