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Calculadora Step Up SIP

Calcule retornos en un SIP que aumenta un porcentaje fijo cada año. Vea cómo los SIP step-up generan dramáticamente más riqueza que SIP planos.

What is a step-up SIP calculator?

A step-up SIP calculator estimates the future value of an SIP that increases by a fixed percentage every year. The calculation compounds monthly with the contribution scaling annually — closely matching how AMCs implement top-up SIPs in production.

The compounding power of step-ups

A flat ₹10,000 monthly SIP for 25 years at 12% returns grows to about ₹1.9 crore. The same SIP with a 10% annual step-up grows to about ₹3.7 crore — almost double — because each year's contribution is larger and gets longer to compound.

When to use step-up SIPs

Best for salaried investors with predictable annual hikes (8–12%). Match the step-up percentage to your expected hike. If your income is project-based or variable, a flat SIP plus periodic lumpsum top-ups (whenever you receive bonuses) can give similar outcomes without the auto-debit risk during lean months.

Preguntas frecuentes

What is a step-up SIP?
A step-up SIP (also called top-up SIP) increases the monthly investment amount by a fixed percentage each year — typically 5–15% — to keep pace with rising income. ₹5,000/month with a 10% step-up becomes ₹5,500 in year 2, ₹6,050 in year 3, and so on.
Why does a step-up SIP build more wealth?
The compounding curve gets steeper because every year's contribution is larger than the previous year's. Over 25 years at 12% returns, a 10% annual step-up SIP can build 2x the corpus of a flat SIP of the same starting amount. Most fund houses now offer auto step-up at registration.
What step-up percentage should I use?
Match it to your expected annual salary growth — typically 8–12% for Indian salaried professionals. If your salary grows faster than the step-up, you can manually add lumpsum top-ups. If income is volatile, start with 5% and revisit each year.
Can I change or stop the step-up later?
Yes. Most AMCs allow changing the step-up percentage or pausing the SIP without penalties. The step-up only triggers if your bank balance covers it, so a temporary cash crunch won't bounce — but the SIP itself may bounce if balance is insufficient.
Is step-up SIP better than just starting with a higher SIP?
Mathematically equivalent only if you can sustain the higher amount from day one. In practice, most people can't — step-up matches the SIP to the income trajectory. For aggressive savers with high cash flow, a higher flat SIP can outperform if comfortably affordable.

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