Step-up SIP Calculator
Realistic long-term SIP — grows every year with your salary. Compares against a flat SIP so you see the step-up advantage.
How much you raise your SIP each year — often tied to salary hike
For the 'in today's ₹' preview only
For lower tax total, redeem via SWP over multiple years — you get the ₹1.25L exemption every year.
Set up a step-up SIP that increases automatically each year.
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
A step-up (or 'top-up') SIP increases your monthly investment by a fixed percentage every year — typically matched to an expected salary hike — instead of staying flat for the whole tenure.
The monthly instalment for year N is the year-1 instalment compounded by your step-up percentage, N−1 times. Each year's higher instalment then compounds at your expected return for its remaining time in the market. Because later, larger instalments have less time to compound, a step-up SIP front-loads more of its final value from the early years than intuition suggests — but it still comfortably out-grows a flat SIP of the same starting amount because the total invested is much higher.
Starting at ₹10,000/month, stepping up 10% every year, at 12% return over 20 years, invests substantially more than a flat ₹10,000 SIP over the same period and produces a proportionally larger corpus — because your invested amount is tracking your rising income instead of staying fixed in nominal terms while inflation erodes it.
How much should I step up my SIP by each year?▾
Matching your expected annual salary hike (commonly 8–12% for salaried professionals in India) is a reasonable default — it keeps your savings rate roughly constant as a share of income rather than shrinking every year as your salary grows and the SIP doesn't.
Is a step-up SIP better than just starting with a higher flat SIP?▾
If you can genuinely afford the higher flat amount today, that usually wins on total corpus since the money compounds longer. Step-up SIPs exist for the realistic case where you can't afford the bigger number yet but will be able to as your salary grows.