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How it works
As your salary increases, you increase your monthly SIP amount annually by a fixed percentage.
The formula
Complex compounding with annual increment- P
- Initial Monthly SIP
- S
- Annual Step-up %
Worked example
₹10,000 SIP with 10% annual step-up for 20 years at 12% creates significantly more wealth than a flat SIP.
Pro tips
- A 10% step-up can double your final corpus.
Common mistakes
- Keeping SIP flat despite rising income.
Go deeper
Related lessons
Concepts to explore
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.