Increasing contribution calculator
Enter what you invest each month and how much you'll raise it each year. See the difference it makes.
- By % or fixed amount
- Compared with flat
- Free, no sign-up
Make it tax-efficient
Where you invest changes how much tax you pay on the growth. Our experts fit your goals into your tax plan.
Questions people often ask
Do SIPs save tax?
Only ELSS funds count for 80C, in the old regime, up to ₹1.5 lakh a year with other 80C items.
How are equity fund gains taxed?
Held over a year: 12.5% on gains above ₹1.25 lakh a year. Under a year: 20%.
Why raising it works
Bigger amounts, still years to grow.
- Start with what you can invest now.
- Raise it each year as your income grows.
- Compare with keeping it flat.
Last reviewed 9 October 2026. The rules in this calculator come from these official sources.
- Investor education: how investments grow, and their risks Securities and Exchange Board of India
Common questions
What is an increasing contribution?
Raising your monthly investment every year, for example by 10% or by ₹1,000 a month, usually in line with your salary hikes.
How much difference does it make?
₹10,000 a month for 15 years at 12% grows to about ₹50.5 lakh flat, or about ₹86.8 lakh if raised 10% a year.
By percentage or a fixed amount?
A percentage grows faster over time; a fixed amount is easier to plan. The calculator does both.
When is the increase applied?
After every 12 months of investing.
Is this the same as a step-up SIP?
Yes. Many fund houses let you set an automatic yearly top-up.
