Step-up SIP Calculator
Choose daily, weekly, monthly, half-yearly, yearly, or custom. Then raise that installment each year with the hike.
What if the SIP grows with you?
Same start. A yearly raise. A much bigger pot.
In plain words
A flat SIP assumes your life never gets more expensive and your salary never rises. A step-up SIP copies the hike: 10% more SIP after a 10% raise still leaves the same share of income invested.
1. How often
When does the SIP go in?
Once a month. 12 installments a year. The raise still happens once a year.
About ₹10,000 a month if you spread the year evenly.
2. Time, return, raise
How the SIP grows
Years
Expected return each year
Yearly step-up
10% is a simple rule: hike the SIP when salary hikes. Want a flat SIP instead? Open the SIP calculator.
3. Flat vs step-up
The gap that salary-linked SIPs create
Step-up adds ₹36.38 L to the pot
You put in ₹20.13 L extra over the years. The rest, ₹16.25 L, is extra compounding. Last installment is ₹37,975.
Never raise SIP
₹50.46 L
Put in ₹18.00 L
Last monthly ₹10,000
Raise 10.0% a year
₹86.84 L
Put in ₹38.13 L
Last monthly ₹37,975
Extra corpus
₹36.38 L
Step-up minus flat
Extra you invest
₹20.13 L
Because the SIP grew
Extra compounding
₹16.25 L
Gap after extra SIPs
Step-up corpus in today’s ₹
₹38.90 L
After 5.5% inflation
Both pots over time
The lines stay close early. The raise needs years. That is why starting the step-up in year 1 beats waiting until you “earn more”.
What to do with the next hike
Same week
Raise the SIP by about 10.0%
Do it before the extra hits spending. A standing instruction beats a promise.
If cash is tight
Raise by 5% instead of skipping the year
A smaller raise still beats a flat SIP for a decade.
Once a year
Check the last SIP vs this year’s salary
This plan ends at ₹37,975 monthly. If that feels heavy, lower the step-up, do not stop.
Planning picture only. Returns will not be a straight 12.0% line. Use this to set a raise rule, then review it with every hike.