Kaizen Financial ServicesStep-up SIP Calculator
Illustrative estimate only. Mutual funds are subject to market risks and returns are not guaranteed. Loan terms are decided by the lender.
How this calculator works
Worked example
Starting at ₹10,000 a month with a 10% yearly step-up for 10 years at an assumed 12% return, you invest about ₹19,12,491 in total and the estimated corpus is about ₹33,74,326. A flat ₹10,000 SIP over the same period gives about ₹23,23,391.
Frequently asked questions
What is a step-up SIP?
A step-up SIP raises your monthly instalment by a fixed percentage or amount at regular intervals, usually every year. It lets you start with a comfortable amount today and increase investing as your income grows, without having to open a new SIP.
How much step-up should I choose?
A common approach is to match your expected annual salary growth, often 5% to 10%. Pick a figure you can sustain even in a slow year, because stopping or reducing a SIP later undoes much of the benefit.
Is a step-up SIP better than a regular SIP?
For people whose income rises over time, usually yes, because more money goes in during the later years when the corpus is larger. It needs higher total contributions, so the right choice depends on what you can afford each year.
Can I set up a step-up SIP with any mutual fund?
Many fund houses and platforms offer a step-up or top-up SIP facility, but features vary by fund house. Kaizen Financial Services can help you set it up with the fund you choose.