Wealth Planning

Step-Up SIP Calculator

A Step-Up SIP models real life better than a standard SIP by increasing your investment amount annually as your income grows. See how even a 5% or 10% annual bump can exponentially boost your final corpus.

Investment Details
Adjust the sliders to model your income growth over time.
Your Step-Up Returns

Total Invested Amount

₹9,56,245

Estimated Returns

₹7,30,918

Total Future Value

₹16,87,163

Why is a Step-Up SIP better?

A standard SIP assumes you will invest the exact same amount every month for the next 10, 20, or 30 years. However, in reality, your salary grows annually due to appraisals and inflation adjustments.

A **Step-Up SIP** allows you to increase your SIP amount periodically (usually once a year). This simple discipline ensures your investments keep pace with your income and drastically reduces the time required to hit your financial goals.

Intelligence Insight: Even a modest 5% or 10% annual step-up can double your final corpus compared to a flat SIP over a 20-year period. It is the most realistic way to model long-term wealth creation.