Step-Up SIP Calculator
Annual SIP top-up — see how much extra wealth you create
% by which SIP increases each year — matches salary growth
Direct plans: ~0.1–0.5%. Regular plans: 1–2%.
SIP grows to by Year 20
₹67,280/month
Starting at ₹10,000/month today
Step-Up vs Flat SIP (12% return, 0.5% ER)
Post-Tax Comparison
→ A 10% annual step-up means you only start at ₹10,000/month and adjust with income growth — you never feel the pinch.
→ Net return = gross return − expense ratio. The gap compounds hugely over 20+ years. Direct plan NAV > Regular plan.
→ LTCG of ₹1.25L per year is exempt. Phased withdrawal in multiple years optimises post-tax gains.
Step-up SIP on a direct plan beats everything. Start here.
Start your SIP in 2 minutes. Zero commission, direct plans.
Start SIP on GrowwFree direct plan investing + family portfolio + goal tracking.
Invest on KuveraAffiliate partnerships help keep FiledIn free. We only list platforms we'd recommend regardless.
FAQ
Step-Up SIP Calculator — FAQ
Common questions about this calculator
A step-up SIP automatically increases your monthly SIP amount by a fixed % every year (e.g., 10%). It aligns with salary hikes and significantly boosts long-term wealth.
Calculations are approximate and for educational purposes only. Excludes surcharge for income above ₹50L. Consult a Chartered Accountant for personalised tax advice.