About the Step-up SIP Calculator
A step-up (or top-up) SIP increases your monthly investment by a fixed percentage every year — usually in line with your rising income. Because each year’s larger contributions compound for longer, a step-up SIP can build a dramatically bigger corpus than a flat SIP, with only a small yearly increase.
Why step up your SIP
Your income typically rises each year, but a flat SIP stays the same — so you invest a smaller share of your earnings over time. Stepping up (say 10% a year) keeps your investing aligned with your income and harnesses more compounding. Compare it with a flat SIP to see the difference.
Step-up SIP Calculator — frequently asked questions
What is a step-up SIP?
A step-up SIP automatically increases your monthly investment by a set percentage each year, so your contributions grow with your income.
Is a step-up SIP better than a regular SIP?
For most people with rising incomes, yes — stepping up builds a larger corpus for roughly the same effort, because later, bigger contributions still get years to compound.
Can I set up a step-up SIP on ROAR?
Yes — you can invest in direct mutual funds and increase your SIP amount over time, fully paperless and with zero commission.