See how increasing your SIP amount every year can dramatically accelerate your wealth creation
Step-up SIP Corpus
₹33,74,326
Total Invested
₹19,12,491
vs Regular SIP
+₹10,50,936
Regular SIP Corpus (for comparison)
₹23,23,391
A Step-up SIP (also called a Top-up SIP) is a variation of the regular Systematic Investment Plan where you commit to increasing your monthly investment amount by a fixed percentage or fixed amount every year. For example, if you start a ₹10,000/month SIP with a 10% annual step-up, your investment in year 2 becomes ₹11,000, in year 3 it becomes ₹12,100, and so on.
This strategy is extremely powerful because it aligns your investment growth with your salary growth. As your income increases each year (most professionals see 10–15% annual salary increments), stepping up your SIP ensures your investments grow proportionally rather than remaining stagnant.
| Scenario | 10 Years | 15 Years | 20 Years |
|---|---|---|---|
| ₹10K SIP, flat (12% return) | ₹23.2L | ₹50.5L | ₹99.9L |
| ₹10K SIP, 5% step-up (12%) | ₹27.9L | ₹70.1L | ₹1.61Cr |
| ₹10K SIP, 10% step-up (12%) | ₹33.7L | ₹97.2L | ₹2.59Cr |
| ₹10K SIP, 15% step-up (12%) | ₹40.8L | ₹1.34Cr | ₹4.17Cr |
* Approximate values. Actual returns vary based on market performance. Past performance does not guarantee future results.