Step-Up SIP for Retirement — Build Your Corpus

A 30-year-old starting ₹10,000/month step-up SIP (10% increase) at 12% for 30 years builds ₹6.34 crore. Total invested: ₹1.97 crore, returns: ₹4.37 crore. Start early, step up annually.

Initial Monthly SIP (₹)

Expected Return (% p.a.)

Investment Period (years)

Annual Step-Up (%)

Total Invested

₹9,56,245

Estimated Returns

₹7,30,918

Total Value

₹16,87,163

Step-Up SIP increases your monthly investment by 10% each year — matching typical salary increments to significantly boost your final corpus versus a flat SIP.

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Calculated with CalcHub

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Common questions about Step-Up SIP for Retirement — Build Your Corpus

How much step-up SIP do I need for retirement?

It depends on your target corpus. For ₹5 crore at age 60, a 30-year-old needs ~₹8,000/month with 10% step-up at 12% return. A 35-year-old needs ~₹14,000/month. Starting 5 years earlier saves you ₹6,000/month in starting SIP.