Why stepping up matters
Most people start a SIP and never touch it — the same amount for years, even as their salary doubles. A step-up SIP fixes that by raising your monthly investment a set percentage every year. Because those extra rupees go in early and compound for decades, a modest annual step-up can end up adding a strikingly large amount to your final corpus.
But it isn’t free money
A step-up SIP finishes larger for one honest reason: you invested more along the way. That’s why this tool shows both the extra corpus you build and the extra amount you invested to get there. The real win isn’t magic — it’s the discipline of investing more as you earn more, instead of letting lifestyle inflation absorb every raise.
A sensible way to use it
- Set the step-up to roughly your expected annual salary growth (often 7–10%).
- Compare the flat and step-up corpus — the gap is what consistent increases buy you.
- Check the “extra invested” figure to be sure the higher contributions stay affordable.
Educational estimate, not advice
Returns are assumed and constant here; real markets aren’t. Use this to understand the
habit, not to predict an exact figure. See our
Disclosure.
