SIP Comparison
Compare multiple SIP scenarios side by side. Test regular vs step-up vs lumpsum strategies and find the one that builds the most wealth for you.
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Why Compare SIP Strategies?
A ₹10,000/month flat SIP at 12% for 20 years builds a ₹99L corpus. The same ₹10,000 with a 10% annual step-up builds ₹1.99 crore. That 2x difference comes entirely from matching your investment growth to your income growth — not from picking better funds. See this gap in real numbers for your own targets using the comparison tool above.
A regular SIP fixes your monthly contribution for the full tenure. A step-up SIP raises it annually by a percentage you choose. At a 10% yearly hike, your ₹10,000 SIP becomes ₹67,275/month by Year 20 — but because each increment compounds from the day it starts, the wealth effect is non-linear. The comparison chart makes this visible instantly.
A ₹5L lumpsum added at Year 3 of a 20-year plan grows to roughly ₹48L by maturity at 12% CAGR. Adding it via the simulator alongside your regular SIP shows exactly how far it pulls forward your financial independence date.
During a market correction, your fixed SIP buys more units at lower NAVs. When markets recover, that larger unit pool appreciates. Investors who stayed in SIPs through the 2020 COVID crash and the 2022 correction both recovered faster than those who paused. Test different return assumptions in the comparison tool to see how volatility averages out over time.
Frequently Asked Questions
Step-up SIP wins over any tenure longer than 10 years, often building 1.5x to 2x the corpus of a flat SIP with the same starting amount. The only time a flat SIP makes sense is when your income is fixed and you genuinely cannot commit to annual increases.
Add two scenarios with different amounts, step-up rates, or tenures. The chart overlays them on the same timeline so you can see the divergence year by year. You can also add a one-time lumpsum to either scenario to model bonus top-ups.