Factor in annual increment percentages to your SIPs for aggressive wealth accumulation as your income grows.
₹19,12,491
₹14,28,426
₹33,40,917
A Step-up SIP calculator estimates returns on a SIP where the monthly investment amount increases by a fixed percentage every year, instead of staying constant for the entire tenure.
This mirrors how income typically grows over a career — as your salary rises, so does the amount you invest, which meaningfully increases your final corpus compared to a flat SIP of the same starting amount.
10-15% is common, roughly matching typical annual salary increments, so your investment grows in line with your income.
In a regular SIP the monthly amount stays fixed for the entire tenure. In a Step-up SIP, the monthly amount increases by a set percentage every year, so you invest more as your income grows.
Most fund houses support a step-up or 'top-up' SIP option that you can set up when starting or modifying your SIP mandate.