See how stepping up your monthly mutual fund investment each year drastically magnifies your retirement and wealth-building goals.
Increase your SIP contribution annually by a fixed percentage as your income grows
A regular static SIP of ₹10,000/month yields ₹50.46L. Stepping up your contribution by 10% yearly creates an extra ₹35.52L in wealth!
₹38,12,698
₹47,85,173
₹85,97,871
Year-by-year accumulation showing total principal invested and returns generated.
| Year | Invested Amount | Estimated Returns | Total Value |
|---|---|---|---|
| Year 1 | ₹1,20,000 | +₹6,825 | ₹1,26,825 |
| Year 2 | ₹2,52,000 | +₹30,417 | ₹2,82,417 |
| Year 3 | ₹3,97,200 | +₹74,493 | ₹4,71,693 |
| Year 4 | ₹5,56,920 | +₹1,43,400 | ₹7,00,320 |
| Year 5 | ₹7,32,612 | +₹2,42,210 | ₹9,74,822 |
| Year 6 | ₹9,25,873 | +₹3,76,834 | ₹13,02,707 |
| Year 7 | ₹11,38,461 | +₹5,54,141 | ₹16,92,601 |
| Year 8 | ₹13,72,307 | +₹7,82,105 | ₹21,54,411 |
| Year 9 | ₹16,29,537 | +₹10,69,968 | ₹26,99,505 |
| Year 10 | ₹19,12,491 | +₹14,28,426 | ₹33,40,917 |
| Year 11 | ₹22,23,740 | +₹18,69,840 | ₹40,93,580 |
| Year 12 | ₹25,66,114 | +₹24,08,482 | ₹49,74,596 |
| Year 13 | ₹29,42,725 | +₹30,60,805 | ₹60,03,530 |
| Year 14 | ₹33,56,998 | +₹38,45,764 | ₹72,02,762 |
| Year 15 | ₹38,12,698 | +₹47,85,173 | ₹85,97,871 |
When investors start their careers, they often commit a modest sum like ₹5,000 or ₹10,000 to a monthly SIP. However, over a 10 to 15-year career span, their monthly income may triple or quadruple. Keeping your SIP contribution static means your savings rate drops as a percentage of your total income.
By committing to an automatic 10% annual step-up, you continuously channel your salary raises into productive assets before lifestyle inflation consumes the surplus.
A Step-Up SIP (also called a Top-Up SIP) is a feature where an investor agrees to automatically raise their monthly contribution by a set percentage (e.g., 10%) or a fixed rupee amount once every year. This ensures your investment keeps pace with your annual salary increments.