e309 Calculator / Step-up SIP calculator / Is a 5% annual step-up on a ₹25,000 SIP worth it over 10 years?

Is a 5% annual step-up on a ₹25,000 SIP worth it over 10 years?

Based on these numbers, this step-up SIP grows to about ₹69,67,356 — ₹37,73,368 invested, ₹31,93,988 in estimated returns.

5%
12% p.a.
10 years
Invested: ₹37,73,368 (54%)Returns: ₹31,93,988 (46%)

How this grows over time

₹0₹35L₹70LYr 0Yr 3Yr 5Yr 8Yr 10

What is a step-up SIP?

A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year, so your contributions grow in line with your income — this typically builds a meaningfully larger corpus than a flat SIP of the same starting amount, since later years contribute more while still benefiting from long compounding on the earlier, smaller instalments.

Also known as an incremental SIP or top-up SIP — same idea, different names people search for it by.

More about step-up sip calculator

Open the full step-up sip calculator What does a ₹10,000 SIP with 10% annual step-up grow to in 15 years? What does a ₹5,000 SIP with 15% annual step-up grow to in 10 years? What does a ₹3,000 SIP with an aggressive 20% annual step-up grow to in 20 years? How much does a ₹20,000 SIP with a modest 5% annual step-up grow to in 10 years? What does a ₹10,000 SIP with a 10% annual step-up grow to over 25 years? What does a ₹4,000 SIP with a 12% annual step-up grow to in 20 years? How much bigger is a step-up SIP starting at ₹15,000 over 12 years? What does a ₹2,000 SIP with a 25% annual step-up become in 15 years? What does a ₹6,000 step-up SIP at 15% growth build over 18 years? What if my ₹8,000 SIP steps up 10% every year for 22 years? What does a ₹1,500 step-up SIP with 20% step-up become in 25 years? How much does a ₹30,000 SIP with 7% step-up build over 8 years? What does a ₹12,000 step-up SIP at 10% growth become in 14 years? Is a 15% annual step-up on a ₹5,000 SIP realistic over 20 years? What does a ₹20,000 step-up SIP with 10% growth build over 10 years? What if my ₹3,000 SIP steps up 12% every year for 30 years? What does a ₹9,000 step-up SIP at 8% growth become in 16 years? How much can a ₹40,000 step-up SIP with 5% growth build in 12 years? What does a ₹7,000 step-up SIP at 20% growth become in 12 years?