Configure Inputs

₹5,000
₹
₹100₹50.00 Lakh
10%
%
050
10
135

Stop contributing after a few years but let the money grow.

12%
%
030
Balanced / Index

Typical long-term average for Large Cap / Index Funds.

Calculates post-tax wealth based on the LTCG rate and exemption rules.

Calculations assume money retains its current purchasing power.

Total Investment

₹9.56 Lakh

Interest Earned

₹7.31 Lakh

Maturity Value

After 10 Years

₹16.87 Lakh

Break-up of Maturity Value

Invested Amount
Est. Returns

Wealth Compounding Projection

Visualizing how your principal amount and interest grow over time.

Analysis & Results

Growth Schedule

January 2026
Year
Total Invested
Interest Earned
Maturity Value
2026
₹60,000
+₹4,047
₹64,047
2027
₹1,26,000
+₹16,621
₹1,42,621
2028
₹1,98,600
+₹39,605
₹2,38,205
2029
₹2,78,460
+₹75,201
₹3,53,661
2030
₹3,66,306
+₹1,25,979
₹4,92,285
2031
₹4,62,937
+₹1,94,930
₹6,57,867
2032
₹5,69,230
+₹2,85,533
₹8,54,764
2033
₹6,86,153
+₹4,01,824
₹10,87,978
2034
₹8,14,769
+₹5,48,482
₹13,63,250
2035
₹9,56,245
+₹7,30,918
₹16,87,163
Click on [+] to view monthly breakdown.

Deep Dive & FAQ

Why You Should 'Step-Up' Your Investments

A Step-Up SIP (also known as a Top-up SIP) is a strategy where you increase your SIP amount periodically—usually once a year. This increase is typically aligned with your annual salary hikes or business profit growth. While a normal SIP is great for consistency, a Step-Up SIP is the "secret weapon" for achieving massive financial goals much faster.

The Difference is Staggering

Consider two investors, A and B, both starting with ₹10,000/month for 20 years at 12%.
- Investor A (Normal SIP): Final corpus ~₹1 Crore.
- Investor B (10% Annual Step-Up): Final corpus ~₹2.2 Crores!
By just increasing the investment as their income grows, Investor B more than doubled their wealth compared to Investor A.

How to Optimize Your Step-Up SIP

To get the most out of your increasing contributions, keep these strategies in mind:

  • Match Your Hike: If you get a 10% salary hike, aim to increase your SIP by 10% too. This prevents "lifestyle creep" from eating into your potential savings.
  • Start Small: You don't need a huge starting amount. Even a ₹2,000 SIP with a 10% yearly increase grows significantly over time.
  • Inflation Neutralizer: Inflation reduces the value of your money. A Step-Up SIP helps your savings keep pace with rising costs by ensuring you invest more as time goes by.

Step-Up SIP FAQs

Q: What is the ideal percentage for a Step-up SIP?

Most financial advisors recommend a 5% to 10% annual increase, as it usually aligns with average salary hikes and inflation.

Q: Can I cap my Step-up SIP after a few years?

Yes, you can specify a 'Maximum Amount' for your SIP. Once reached, the SIP continues at that fixed amount until the end of the tenure.

Q: Is Step-up better than a One-time Lumpsum?

Step-up SIP is generally better for salaried individuals as it builds discipline and reduces the risk of investing a large sum at a market peak.