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Project a Systematic Investment Plan where your monthly investment increases by a fixed percentage every year, and compare the result directly against a flat SIP of the same starting amount.
Last updated 5 September 2026
How much you'll raise the monthly investment each year, e.g. with a salary hike.
Total invested
₹38,12,698
Est. returns
₹48,71,152
Est. final value
₹86,83,849
Stepping up 10% a year grows your final value to ₹86,83,849 — ₹36,38,089 more than a flat SIP of the same starting amount.
The monthly amount you will invest in year one.
The percentage you plan to raise the SIP by every year, e.g. matching an expected salary increment.
See the step-up SIP's final value against a flat SIP of the same starting amount, with a year-by-year chart.
Monthly investment in year k = starting amount × (1 + step-up%)^(k−1); FV compounds each month at the expected return
Raising the SIP by 10% every year means later, larger instalments are invested for less time individually, but the total invested amount grows substantially — over 15 years this more than offsets the shorter compounding window for the later instalments, producing a noticeably higher final value than a flat SIP.
Income typically rises faster than expenses in the early-to-mid career years. A step-up SIP channels that rising income into investing without ever feeling like a bigger commitment relative to your salary at the time.
Because the step-up compounds every year, even a modest 5–10% annual increase produces a meaningfully larger corpus than holding the SIP flat for the whole period — the comparison chart here makes the gap concrete.
A step-up SIP commits you to increasing contributions every year regardless of what actually happens to your income — if a raise doesn't materialise in a given year, or an unexpected expense comes up, forcing the step-up can create financial strain rather than the intended discipline.
It works best when tied loosely to an expected, fairly reliable income trajectory rather than a rigid promise; most fund houses let you pause or adjust a step-up SIP mandate if your circumstances change.
The plain SIP Calculator projects a constant monthly investment. This one increases the investment every year and shows the comparison against a flat SIP directly, so you can see the benefit of stepping up.
Many investors tie it to their expected annual salary increment — commonly 8–12% in India. Use whatever you can realistically commit to increasing each year.
No. As with any SIP projection, the return is an assumption for illustration; actual mutual fund returns are market-linked and vary year to year.
No, the projection is before costs and capital gains tax. Use the Capital Gains Calculator separately to estimate tax on withdrawal.
Yes — most Indian AMCs and investment platforms offer a step-up SIP mandate option; this calculator is for planning the numbers before you set it up.
This calculator provides estimates for general information only. Results are mathematical calculations based on the figures you enter and standard formulas. Actual bank, loan, deposit and investment products may differ due to fees, rounding conventions, day-count methods and changing rates and rules. Projected investment returns are not guaranteed and you may get back less than you invest. Nothing here is financial, tax or investment advice — verify the actual terms with the relevant institution or a qualified adviser before making a decision. See our full disclaimer.