INDIA · INVESTING
Step-up SIP versus flat SIP: compare contributions before comparing returns
See how increasing a SIP contribution changes the savings commitment and projected terminal value.
A step-up SIP increases the monthly contribution each year. It does not increase the return rate. The first question is whether future income can support the larger contribution.
Model the contribution schedule
Use the SIP calculator to compare a flat contribution with an annual step-up under the same return and duration. The ending difference includes both more contributions and their assumed growth.
For a target amount, use the SIP goal calculator. For withdrawals after investing, use the SWP calculator; market returns are not guaranteed in either scenario.
Put the idea into numbers.
Open the sip calculator →