"Do not save what is left after spending, but spend what is left after saving."
– Warren Buffett
– Warren Buffett
See how increasing your SIP every year can accelerate wealth creation.
Arjun starts a ₹10,000 SIP at 30 and increases it 10% every year, expecting 12% returns. In 20 years he invests about ₹68.7 lakh and the estimate shows roughly ₹3.5 crore. A flat ₹10,000 SIP over the same period would reach only about ₹1 crore — the annual step-ups nearly triple the outcome.
Uses monthly compounding based on the expected annual return and investment period. Contributions are assumed to be made at the beginning of each month.
The result is an educational estimate, not a guaranteed return or personal financial recommendation. Review current product documents and consult a qualified advisor before investing.
Most salaries grow 8–12% annually. A step-up SIP mirrors this by increasing your investment each year. A ₹5,000 SIP with 10% annual step-up for 20 years at 12% return builds ~₹1.1 crore vs ~₹50 lakh without step-up — more than double. This is the single highest-impact lever for salaried investors: it aligns investing with income growth without requiring lump-sum decisions.
Setting an unrealistic step-up % (e.g., 20%) that you cannot sustain — a missed step-up breaks the plan. Not linking step-up to actual salary hikes — commit to a percentage of increment (e.g., 50% of hike). Forgetting to increase SIP when you get a bonus — treat bonuses as step-up accelerators. Stopping the step-up after a few years — consistency compounds.
No. They are educational estimates based on the inputs and assumptions shown on this page.
No. Unless stated otherwise, taxes, fees, charges, and product-specific rules are not included.
Use it to compare scenarios, then verify current product documents and seek qualified advice before making a decision.
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