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Step-Up SIP Crorepati Calculator

Don't let inflation ruin your wealth. Increase your investment amounts annually in sync with your salary hikes to reach your ₹1 Crore milestone years earlier.

Step-Up SIP (Crorepati) Calculator
See the magic of compounding when you increase your SIP every year alongside your salary.
10%

Standard salary hike is around 10%.

12%

Historical Nifty 50 return is ~12-15%.

15 Yrs

Total Wealth Reached

₹43,41,925

Total Invested

₹19,06,349

Est. Returns

₹24,35,576

Increase your SIP or timeframe to reach the ₹1 Crore milestone!

What is a Step-Up SIP? Instead of locking in ₹5,000/month for 20 years, a Step-Up SIP automatically increases your investment by a certain percentage (e.g. 10%) every year to match your annual salary hike. This drastically reduces the time it takes to become wealthy because you combat inflation effectively.

Why Normal SIPs Aren't Enough

When you start a standard Systematic Investment Plan (SIP) of ₹5,000 per month, it sounds great on paper. But as the years go by, your income increases, while your investment amount remains stagnant. Meanwhile, inflation is constantly devaluing your target corpus.

The Magic of the Step-Up SIP

A Step-Up SIP (also known as a Top-Up SIP) is a strategy where you instruct your mutual fund to automatically increase your monthly investment by a fixed percentage or amount every year.

For example, if you start with ₹10,000/month and setup a 10% annual step-up:
- Year 1: ₹10,000/month
- Year 2: ₹11,000/month
- Year 3: ₹12,100/month

Why Use This Calculator?

  • Find Your 1 Crore Year: Standard calculators only give you the end corpus. We actually calculate exactly which year you breach the prestigious ₹1,000,000 (1 Crore) mark.
  • Beat Inflation: A 10% step-up effectively neutralizes a 6% inflation rate while leaving 4% extra for actual wealth acceleration.
  • Discipline: Committing to a Step-Up SIP means you automatically invest your future appraisals instead of falling victim to lifestyle inflation.