FinLens Calculator

Step-up SIP Calculator

See how increasing your SIP amount every year can dramatically accelerate your wealth creation.

Starting Monthly Investment₹5,000

₹500₹2,00,000

Annual Step-up10%

0%50%

Expected Return Rate (p.a.)12%

1%30%

Time Period10 years

1 yr40 yrs

Invested

Returns

Total Invested₹9,56,268

Est. Returns₹7,30,931

Total Value₹16,87,199

Step-up SIP vs Regular SIP

Regular SIP Value

₹11,61,695

Step-up SIP Value

₹16,87,199

Extra Wealth Created

+₹5,25,504

How Step-up SIP Works

A Step-up SIP (also called a Top-up SIP) increases your monthly investment by a fixed percentage every year. For example, with a 10% annual step-up on ₹5,000/month — in Year 2 you invest ₹5,500/month, Year 3 you invest ₹6,050/month, and so on. This keeps pace with salary increments and significantly boosts your long-term corpus through higher compounding.