Step-Up SIP Annual Top-Up Calculator
Simulate increasing your monthly SIP automatically every year in line with salary increments and compare extra wealth created over a flat SIP. Benchmarked against India’s published RBI Repo Rate (5.5%) and MoSPI Headline CPI Inflation (5.54%).
Sample ₹15,000/Month SIP with 10% Annual Step-Up (15 Years @ 12% p.a.)
Extra wealth created over a flat SIP: ₹54,57,134. Real purchasing power at 5.54% CPI: ₹58,01,592.
| Year | Monthly SIP | Step-Up Corpus | Flat SIP Corpus |
|---|---|---|---|
| Year 5 | ₹21,962/mo | ₹14,76,856 | ₹12,37,295 |
| Year 10 | ₹35,369/mo | ₹50,61,489 | ₹34,85,086 |
| Year 15 | ₹56,962/mo | ₹1,30,25,774 | ₹75,68,640 |
Frequently Asked Questions
What is a Step-Up (Top-Up) SIP?
A Step-Up SIP increases your monthly investment contribution by a fixed percentage (for example 10% every year) to match annual income growth without manual intervention.
How much extra corpus can a 10% annual Step-Up SIP create?
Over a 15 to 20-year horizon at 12% annualised return, stepping up a monthly SIP by 10% annually typically more than doubles the final maturity corpus compared to a static SIP.
Should my annual SIP step-up at least match CPI inflation?
Increasing your SIP at least in line with headline CPI inflation preserves the real value of your fresh annual savings contributions across multi-decade horizons.