Step-up SIP Calculator
Realistic long-term SIP — grows every year with your salary. Compares against a flat SIP so you see the step-up advantage.
How much you raise your SIP each year — often tied to salary hike
For the 'in today's ₹' preview only
- • 12.5% Flat LTCG: Applied strictly on profits after 1 year of holding.
- • ₹1.25L Exemption: Zero tax on your first ₹1.25 Lakh capital gains per FY.
- • Step-Up Superpower: Even a modest +10% annual hike doubles your end corpus without feeling burdensome.
- • SWP Advantage: Redeem via SWP spread across years to utilize the ₹1.25L exemption year after year.
📅 Year-by-year step-up SIP progression
Step-up vs flat growth| Year | Monthly SIP | Total deposited | Portfolio value |
|---|---|---|---|
| Year 1 | ₹10,000/mo | ₹1.20 L | ₹1.28 L |
| Year 2 | ₹11,000/mo | ₹2.52 L | ₹2.85 L |
| Year 3 | ₹12,100/mo | ₹3.97 L | ₹4.76 L |
| Year 4 | ₹13,310/mo | ₹5.57 L | ₹7.07 L |
| Year 5 | ₹14,641/mo | ₹7.33 L | ₹9.85 L |
| Year 6 | ₹16,105/mo | ₹9.26 L | ₹13.16 L |
| Year 7 | ₹17,716/mo | ₹11.38 L | ₹17.10 L |
| Year 8 | ₹19,487/mo | ₹13.72 L | ₹21.76 L |
| Year 9 | ₹21,436/mo | ₹16.30 L | ₹27.27 L |
| Year 10 | ₹23,579/mo | ₹19.12 L | ₹33.74 L |
| Year 11 | ₹25,937/mo | ₹22.24 L | ₹41.35 L |
| Year 12 | ₹28,531/mo | ₹25.66 L | ₹50.24 L |
| Year 13 | ₹31,384/mo | ₹29.43 L | ₹60.64 L |
| Year 14 | ₹34,523/mo | ₹33.57 L | ₹72.75 L |
| Year 15 | ₹37,975/mo | ₹38.13 L | ₹86.84 L |
| Year 16 | ₹41,772/mo | ₹43.14 L | ₹1.03 Cr |
| Year 17 | ₹45,950/mo | ₹48.65 L | ₹1.22 Cr |
| Year 18 | ₹50,545/mo | ₹54.72 L | ₹1.44 Cr |
| Year 19 | ₹55,599/mo | ₹61.39 L | ₹1.70 Cr |
| Year 20 | ₹61,159/mo | ₹68.73 L | ₹1.99 Cr |
Set up a step-up SIP that increases automatically each year.
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
A step-up (or 'top-up') SIP increases your monthly investment by a fixed percentage every year — typically matched to an expected salary hike — instead of staying flat for the whole tenure.
The monthly instalment for year N is the year-1 instalment compounded by your step-up percentage, N−1 times. Each year's higher instalment then compounds at your expected return for its remaining time in the market. Because later, larger instalments have less time to compound, a step-up SIP front-loads more of its final value from the early years than intuition suggests — but it still comfortably out-grows a flat SIP of the same starting amount because the total invested is much higher.
Starting at ₹10,000/month, stepping up 10% every year, at 12% return over 20 years, invests substantially more than a flat ₹10,000 SIP over the same period and produces a proportionally larger corpus — because your invested amount is tracking your rising income instead of staying fixed in nominal terms while inflation erodes it.
How much should I step up my SIP by each year?▾
Matching your expected annual salary hike (commonly 8–12% for salaried professionals in India) is a reasonable default — it keeps your savings rate roughly constant as a share of income rather than shrinking every year as your salary grows and the SIP doesn't.
Is a step-up SIP better than just starting with a higher flat SIP?▾
If you can genuinely afford the higher flat amount today, that usually wins on total corpus since the money compounds longer. Step-up SIPs exist for the realistic case where you can't afford the bigger number yet but will be able to as your salary grows.