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Lumpsum + SIP Step-Up Calculator
Combine lumpsum + SIP with annual step-up to accelerate growth.
Lumpsum + SIP with Step-up Calculator
Combine lumpsum investment with step-up SIP for accelerated wealth creation
Future Value
$9,231,206
Total Invested
$3,912,698
Total Gains
$5,318,508
Returns
135.9%
Lumpsum Contribution
$100,000 (2.6%)
SIP Contribution
$3,812,698 (97.4%)
Growth Over Time
Portfolio
Invested
Combine the power of lumpsum investment with step-up SIP to accelerate wealth creation. The step-up feature increases your SIP amount annually, helping you invest more as your income grows, while benefiting from rupee cost averaging. This approach is ideal for salaried professionals who expect annual increments.
Frequently Asked Questions
What is SIP step-up?
SIP step-up (also called SIP top-up) means increasing your SIP amount by a fixed percentage every year. For example, a 10% annual step-up means if you start at 100 units of your currency, you invest 110 in year 2, 121 in year 3, and so on. This aligns with typical annual salary increments.
How does combining lumpsum with SIP step-up help?
A lumpsum gives your corpus a head start by deploying capital upfront, while annual SIP step-ups ensure your contributions grow with your income. The combined effect significantly accelerates wealth creation compared to a flat SIP alone.
What step-up percentage should I use?
A common approach is to match your step-up percentage to your expected annual salary increase — typically 8–12% for salaried professionals. Even a modest 5% annual step-up can add substantially to your final corpus over a 15–20 year horizon.