Increasing Contribution Calculator
Calculate how increasing your investments annually accelerates wealth building. Our calculator shows the power of step-up or increasing contribution strategies.
Without Step-Up (Regular SIP)
Step-Up SIP vs Regular SIP Growth
Your SIP Amount Over Years
See how your monthly investment increases with step-up
Why Step-Up SIP Works
Year-by-Year Breakdown
| Year | Monthly SIP | Annual Investment | Step-Up Balance | Regular SIP Balance | Difference |
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Key Features
How to Use This Calculator
Understanding Step-Up SIP
An increasing contribution strategy involves systematically raising your investment amount over time, typically annually. This approach aligns with career progression and helps achieve larger financial goals without straining your current budget.
The concept is simple: start with what you can afford today and increase by a fixed percentage each year. A 10% annual increase on a ₹10,000 monthly SIP means investing ₹11,000 next year, ₹12,100 the year after, and so on.
This strategy is particularly powerful because of compound interest. Later contributions, though larger, have less time to compound. But the combination of increasing contributions and compounding creates substantial wealth over time.
Research shows that investors who use step-up strategies accumulate significantly more wealth than those with flat contributions, even when starting with similar amounts. The difference becomes dramatic over 15-20 year periods.
Our calculator helps you visualize this difference and determine the optimal step-up rate. Too high an increase may become unaffordable; too low may not maximize your potential. Find the sweet spot that works for your situation.