Step-Up SIP Planner
See how much more corpus an annual SIP step-up could build compared with keeping the contribution flat.
Problem
Flat SIPs can quietly fall behind income growth and inflation over long periods.
Promise
Compare a flat SIP with an annually increasing SIP to see how income growth can accelerate wealth creation.
Trust note
No login. The estimate runs in the browser and keeps the assumptions visible.
Tool mode
Basic keeps the fast default flow. Advanced unlocks goal seek, sensitivity sweep, and a second comparison scenario.
SIP plan
Main answer
₹51,14,673
Increasing the SIP by 10% each year builds about ₹51,14,673 more corpus than keeping it flat.
The comparison uses a 15-year horizon and 11.0% annual return assumption.
Flat SIP corpus
₹68.2L
Constant monthly contribution of ₹15,000.
Step-up SIP corpus
₹1.2Cr
Contribution rises by 10% each year.
Corpus gain
₹51,14,673
Difference between the two contribution patterns.
Current SIP
₹15,000
Base monthly amount used for both paths.
Flat SIP versus step-up SIP
Annual step-up
10%
Applied once per year after every 12 monthly contributions.
Total years
15
Longer horizons magnify the effect of contribution growth.
Return assumption
11.0%
The same return is used for both SIP paths.
How to read this tool
This is a planning model, not a final quote. Use it to understand the direction and size of the trade-off before committing.
Adjust the inputs to test optimistic and conservative scenarios instead of relying on one default answer.
Why the result leans this way
Contribution growth can beat contribution timing
If your income rises steadily, increasing the SIP on schedule can create a bigger effect than chasing a slightly higher return number.
Keep the step-up realistic
A planned increase that is too aggressive often breaks in practice, so use a rate you can sustain through weaker income years.
Assumptions and sources
Planning scope
This tool is meant for scenario planning. Quotes, taxes, policy terms, and personal preferences can change the final decision.
Effective from 2026-04-01
Contribution pattern
The flat SIP stays fixed throughout the horizon while the step-up SIP increases once every 12 months.
Effective from 2026-04-01
Frequently asked questions
When does a step-up SIP help most?
It matters most when your income is expected to rise over time and the horizon is long enough for compounding to amplify the difference.
How should I use the step-up sip planner result?
Run it with conservative and aggressive assumptions. If the conclusion survives both cases, the decision is usually more robust.
What can change the real outcome?
Taxes, policy rules, employer terms, personal behavior, and financing costs can all move the final result away from the estimate.
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