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Step-Up SIP Calculator
Raise your SIP every year as your income grows.
Enter values to see your result
Frequently asked questions
Why step-up SIP?
As income rises, saving the same rupee amount each year effectively shrinks your investment rate. Stepping up the SIP keeps your savings aligned with income growth.
What step-up rate should I choose?
10% is the common default — matches typical Indian salary hike. If your income rises faster, pick 12–15%.
Does the AMC allow automatic step-up?
Yes. Most large AMCs (SBI, HDFC, ICICI) support step-up SIP where the monthly amount auto-increases yearly without resubmitting paperwork.
Is step-up SIP better than lumpsum?
For most salaried investors, step-up SIP wins — because lumpsum investment of future income isn't possible. SIP lets you invest as income arrives.