Step-Up SIP vs Regular SIP: How a 10% Annual Top-Up Doubles Your Final Wealth

📈 STEP-UP SIP MATH DEEP-DIVE Step-Up SIP vs Regular SIP REGULAR FIXED SIP (₹10,000/mo) ₹1.89 Crore Corpus after 20 Years @ 12% CAGR Total Invested: ₹24.0 Lakhs 10% STEP-UP SIP (Starts ₹10,000/mo) ₹3.52 Crore +86.2% MORE WEALTH (+₹1.63 Crore!) Total Invested: ₹68.7 Lakhs SIPPlanCalculator.in Editorial Desk • September 2026 sipplancalculator.in

🚀 Why Step-Up SIP Changes Everything

A regular fixed SIP fails to capture your rising earning potential over your career. If your salary increases by 8–15% every year, keeping your SIP fixed means your investment rate as a percentage of income is actually declining over time!

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SIPPlanCalculator.in Editorial & Research Desk