Is a 10% step-up too aggressive?

Most professionals can comfortably step up by 8–10% if their salary rises at a similar rate. A 5% step-up is conservative; a 15% step-up is aggressive and best reserved for early-career investors.

Step-Up SIP Calculator

Model a SIP that grows every year — the most realistic SIP for a salaried investor whose income compounds annually.

Starting monthly SIP(₹)10,000

Expected return(% p.a.)12.00

Tenor(years)15

Annual step-up(%)10

Total invested

₹38,12,698

Wealth gained

₹48,71,152

Maturity value

₹86,83,849

Each year's SIP grows by the step-up percentage. Returns compound monthly.

// about this calculator

A step-up (or 'top-up') SIP raises your monthly contribution by a fixed percentage every year — usually aligned with your annual salary hike. Because the larger contributions arrive late but still get years of compounding, a 10% annual step-up on a ₹10,000 starting SIP can deliver 30–50% more terminal wealth than a flat SIP, depending on tenor.

// frequently asked questions

A regular SIP keeps the monthly investment constant. A step-up SIP raises it every year — typically by 5–15% — keeping pace with income growth and inflation.