Step-Up SIP Calculator
Calculate SIP returns with annual step-up investment increases.
Step-Up SIP Details
Wealth Growth Projection
Year-wise Amortization Breakdown
| Year | Monthly SIP | Annual Invested | Cumulative Invested | Maturity Corpus |
|---|
The Finzorio Step-Up SIP Calculator computes future portfolio wealth when you increase your monthly mutual fund SIP contributions annually by a fixed percentage (e.g., 5%, 10%, or 15%) in line with yearly salary increments.
The Power of Annual SIP Step-Up
As your career progresses and salary increases, your saving capacity grows. A Step-Up SIP (Top-Up SIP) automatically escalates your monthly investment once every 12 months. This simple habit doubles your long-term wealth corpus compared to a static fixed SIP.
Fixed SIP vs 10% Step-Up SIP Comparison (20 Yrs)
Comparing wealth creation between a static ₹10,000 SIP and a 10% Annual Step-Up SIP at 12% CAGR over 20 years:
| Parameter | Fixed ₹10,000 Monthly SIP | 10% Annual Step-Up SIP | Wealth Difference |
|---|---|---|---|
| Total Amount Invested | ₹24,00,000 (₹24 Lakh) | ₹68,73,000 (₹68.7 Lakh) | +₹44.73 Lakh invested |
| Estimated Capital Gains | ₹75,91,000 (₹75.9 Lakh) | ₹1,43,62,000 (₹1.43 Crore) | +₹67.71 Lakh extra gains |
| Total Maturity Wealth | ₹99,91,000 (~₹1.00 Crore) | ₹2,12,35,000 (~₹2.12 Crore) | +₹1.12 Crore Higher Corpus! |
Worked Example: 10% Step-Up SIP
• Year 1 Monthly SIP = ₹10,000
• Year 2 Monthly SIP = ₹11,000
• Year 5 Monthly SIP = ₹14,641
• Final Maturity Wealth = ₹98,52,400 (vs ₹50.45 Lakh for fixed SIP).