How much should I increase my SIP by each year?

A common approach is to match your annual salary increment percentage, so your investment grows in line with your income without straining your budget.

Is a step-up SIP better than a flat SIP?

For most people with rising incomes, yes — it typically builds a meaningfully larger corpus for the same starting amount, since later contributions (which are larger) still have years left to compound.

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Savings & investments

Step-Up SIP Calculator

See how much faster your corpus grows when you step up your SIP amount every year instead of keeping it flat.

Investment details

Starting monthly SIP ₹10,000

Annual step-up 10%

Expected annual return 12%

Investment period (years) 15 yrs

Projected maturity value

Total value at maturity

₹0

Total invested₹0

Wealth gained₹0

Final year's monthly SIP₹0

How step-up SIP is calculated

Each year, the monthly SIP amount increases by the step-up %. Each month's contribution is compounded for the remaining months until maturity, and all contributions are summed.

A step-up SIP tracks rising income — as your salary grows, so does your investment, which usually builds a meaningfully larger corpus than a flat SIP for the same starting amount.

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Figures are estimates for planning purposes only and do not constitute financial advice.