Step-up SIP calculator: raise your SIP with your salary
Enter your starting SIP and how much you'll raise it each year. See the difference against a SIP that never grows.
- Compared with a flat SIP
- Year-by-year table
- Free, no sign-up
Make every hike count
Our experts line up your SIP increases with your goals, tax regime and emergency fund.
Questions people often ask
How much should I step up?
Many people match their annual hike, often 5–10%. Even a small increase every year makes a large difference over 15–20 years.
Can I step up an existing SIP?
Most fund houses let you add a top-up to an existing SIP, or start a second SIP.
Why stepping up helps
Small yearly increases add up because the bigger instalments still have years to grow.
| ₹10,000 a month, 10 years, 12% | Value |
|---|---|
| Flat SIP | about ₹23.2 lakh |
| 10% step-up every year | about ₹33.7 lakh |
Last reviewed 8 October 2026. The rules in this calculator come from these official sources.
- Investor education and calculators Securities and Exchange Board of India
- Mutual fund investor information Association of Mutual Funds in India
Common questions
What is a step-up SIP?
A SIP where the monthly amount goes up by a fixed percentage, or amount, every year, usually in line with your salary hike.
How is a step-up SIP calculated?
Each year's SIP is the previous year's plus the step-up. Every instalment compounds monthly at your expected return until the end.
How much more does a 10% step-up give?
Starting at ₹10,000 a month for 10 years at 12%, a 10% yearly step-up grows to about ₹33.7 lakh, against about ₹23.2 lakh for a flat SIP.
Is a step-up SIP taxed differently?
No. Each instalment is taxed like any SIP: on the gain when you sell, at equity or debt fund rates.
Should my step-up match my hike?
It's a good guide, as long as your emergency fund and loan payments stay on track.
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