Step-Up SIP Calculator — Top-Up SIP India 2026-27
SIP that grows with your salary — step-up/top-up SIP calculator
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Step-Up SIP Returns
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Extra vs Regular SIP
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Why Step-Up SIP?
As your salary increases 10% yearly, your SIP also grows 10%. This small change dramatically boosts final corpus — often 2-3x more than a flat SIP of same starting amount.
Year 1: Rs.5,000 → Year 2: Rs.5,500 → Year 5: Rs.7,321...
15 years at 12% return: Step-Up gives 2.5x more than flat SIP!
15 years at 12% return: Step-Up gives 2.5x more than flat SIP!
Frequently Asked Questions
Step-Up SIP increases your monthly SIP by a fixed % each year. Rs.5,000 at 10% step-up becomes Rs.5,500 next year, Rs.6,050 the year after.
Almost always yes, if your income grows. A 10% annual step-up on Rs.5,000 SIP at 12% for 20 years gives ~Rs.1.5 crore vs ~Rs.50 lakh for flat SIP.