Step-up SIP Calculator — Annual Top-up
A step-up (or top-up) SIP raises your monthly investment by a fixed percentage every year, matching your rising income. This calculator shows the future value when your SIP grows annually, and how much more you accumulate versus a flat SIP.
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Formula
Each year the monthly SIP is multiplied by (1 + step-up%). Future value compounds every month at the expected return, with the higher instalment applied from each anniversary.
Example
A ₹10,000 monthly SIP stepped up 10% a year for 15 years at 12% grows far larger than a flat ₹10,000 SIP, because each year's contribution rises with your income.
Frequently Asked Questions
What is a step-up SIP?
A step-up SIP automatically increases your monthly investment by a set percentage each year, so your investing keeps pace with salary growth.
Is a step-up SIP better than a flat SIP?
For most investors yes — raising contributions yearly compounds into a much larger corpus over long periods.
Related calculators
- SIP Calculator — Mutual Fund SIP Returns
- Goal-Based Investment Calculator
- Retirement Planner — Corpus & SIP Calculator
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