RupeeCase
Education . Personal Finance . 3 of 3
Three Rules
Step Up When
You Set Up
Rule 01
Set the step-up at registration
Not later. Later means never. One field, once. A 7% annual bump matches inflation and asks for nothing you were not already going to spend.
Rule 02
A green streak is not a green signal
Consistency at a flat amount is better than inconsistency. But consistency at a shrinking real contribution is slower than it looks. The app rewards the streak. The corpus rewards the weight.
Rule 03
Bank half the raise before it touches the baseline
If the annual increment is 10%, route 5% into the step-up. The other 5% covers the lifestyle creep. The SIP grows with the salary and neither side feels starved.
The app will keep showing a green streak whether you step up or not. The corpus will not treat those two streaks the same.
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