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About this calculator
Increasing your SIP a little every year — usually when your salary rises — can make a large difference over time. Compare a step-up SIP with a flat SIP side by side.
How is this calculated?
The monthly instalment rises by your chosen percentage every 12 months. Instalments are invested at the start of each month at the monthly equivalent of the assumed annual return. The flat SIP uses the same starting amount throughout.
Questions people ask
How much should I step up my SIP each year?
Matching it to your expected salary increase — often 5–10% — keeps savings in line with income. Even 5% a year makes a noticeable difference over 15–20 years.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.