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Project a SIP that grows its monthly contribution every year, and see the gap it opens up versus a flat SIP.
Stepping up 10% a year grows your corpus ₹5,25,468 more than a flat SIP.
Total Invested
₹9,56,245
Estimated Returns
₹7,30,918
Total Value
₹16,87,163
after 10 years, final month ≈ ₹11,790/mo
Total
₹16,87,163
A step-up (or "top-up") SIP automatically increases your monthly investment by a fixed percentage every year — usually timed to your annual salary increment — instead of staying flat for the whole tenure. Most AMCs let you set this up directly with your SIP mandate.
Matching your expected salary increment (typically 8-12% in India) is a common rule of thumb — it keeps your SIP-to-income ratio roughly constant as your earnings grow, without a manual review every year.
No — the risk profile is set by what you invest in (equity, debt, hybrid), not by the step-up. The step-up only changes how much reaches the market each year, not the market risk itself.
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A flat SIP invests the same amount every month for years, even as your income rises. A step-up SIP raises the monthly amount by a fixed percentage each year — so your investment keeps pace with your salary instead of shrinking as a share of it. Over a long horizon, this compounds into a materially larger corpus than a flat SIP at the same starting amount.
Most AMCs let you set up a step-up SIP directly on the mandate. Compare 200+ direct-growth funds on our mutual funds catalogue before you commit.
Disclaimer: Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns. The assumed return rate is for illustrative purposes only.
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