Step-Up SIP Calculator: How Incremental Investing Boosts Returns
See the impact of annual SIP increments on long-term wealth. Learn formulas,scenarios,and when to prefer lumpsum.
Why Step-Up SIP
Increasing contributions by a fixed percentage each year can capture income growth and accelerate compounding.
Model
- Base SIP C, annual step rate s
- Year k contribution = C × (1 + s)^(k−1)
- Aggregate FV is sum of each year’s SIP stream compounded to horizon.
When It Helps
- Rising income years
- Markets with moderate returns where contribution growth dominates
Try It
Experiment with increments: Step-Up SIP Calculator
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