Step-up SIP Calculator

A step-up SIP automatically increases your monthly investment by a fixed percentage each year. As your salary grows, your SIP grows with it, so a larger share of your rising income keeps getting invested. Most Indian fund houses and platforms let you set an annual top-up of 5%, 10%, or a fixed rupee amount.

A lot. Because each increment is invested for the remaining years and compounds, a 10% annual step-up can grow your final corpus by 30–50% or more over a 15–20 year horizon compared with a flat SIP — without you ever feeling a sharp pinch, since the increase tracks your income.

The calculator runs your SIP month by month. At the start of each new year the monthly instalment is raised by your chosen step-up percentage, and every instalment compounds at the expected monthly rate until the end of the period. The invested amount shown is the sum of all the (rising) instalments you actually pay in.

Yes — that is the whole point. If you typically get a 10% annual increment, setting a 10% SIP step-up keeps your savings rate constant while your lifestyle still improves. It is one of the simplest ways to beat lifestyle inflation and reach goals years sooner.

No. Equity mutual funds are market-linked and returns vary year to year. The rate you enter is an assumption for projection only. Historically, diversified Indian equity funds have delivered roughly 10–14% annualised over long periods, but past performance does not guarantee future results.

Most fund houses and platforms like Groww, Zerodha Coin, and AMC websites offer a "top-up" or "step-up" option when you register a SIP. You choose either a fixed percentage (e.g. 10% a year) or a fixed rupee increase, and the mandate raises the debit automatically on each anniversary. Make sure your NACH e-mandate limit is set high enough to accommodate the future increased amounts.

If you can comfortably afford a higher amount today, a larger flat SIP gives more money the longest time to compound and usually wins. But most people cannot — a step-up SIP matches your contributions to your rising income, so you invest more without straining your current budget. It is a practical middle path that beats a flat SIP you would otherwise keep small.

There is no regulatory cap on step-up percentage, but platforms usually allow common presets like 5%, 10%, 15%, or a fixed rupee amount. The practical limit is your NACH mandate ceiling and your own affordability. Setting the step-up close to your expected annual salary hike keeps your savings rate steady without overcommitting.

Taxation is identical to a regular SIP — each instalment, including the stepped-up ones, is taxed by holding period. For equity funds, long-term gains (units held over 12 months) are taxed at 12.5% above the ₹1.25 lakh annual exemption, and short-term gains at 20%. The increasing instalments do not change the tax treatment, only the quantum invested.