See how increasing your SIP by a fixed percentage each year creates dramatically more wealth than a flat SIP. The difference compounds — and it's bigger than you think.
Step-up corpus
₹33.7L
₹
%
years
%
Your SIP increases from ₹10,000/month in year 1 to ₹23,579/month in year 10.
Step-up corpus
₹33,74,326
₹10.5L extra vs flat SIP (45% more)
Flat SIP
Corpus
₹23,23,391
Invested
₹12,00,000
Returns
₹11,23,391
Step-Up SIP
Corpus
₹33,74,326
Invested
₹19,12,491
Returns
₹14,61,835
₹10.5L extra wealth from step-up
By increasing your SIP by 10% each year, you invest ₹7,12,491 more but your corpus grows by ₹10,50,936 — that's 45% more than a flat SIP.
Flat SIP vs Step-Up SIP
Step-Up SIP
Flat SIP
Extra from step-up
Year-by-year SIP step-up schedule comparing flat and step-up balances