A step-up SIP increases your monthly instalment once every year by a chosen percentage. For example, starting at ₹10,000 with a 10% annual step-up means ₹11,000/month in year two, ₹12,100 in year three, and so on.

This calculator uses monthly compounding with investments at the start of each month. After every 12 months the SIP amount is multiplied by (1 + step-up% ÷ 100). The same formula as our SIP calculator applies.

Many salaried investors align step-up with expected annual salary hikes — often 5–15%. Use a conservative figure for planning; actual increments may differ.

Step-up SIP typically builds a larger corpus because later contributions are higher and have more time to compound. It suits investors whose income grows over time.

No. SIPs invest in market-linked mutual fund units. NAV fluctuates daily. SEBI regulations require disclosure that mutual fund investments are subject to market risks.

Many fund houses offer step-up SIP facilities through their portals or registrars. Check the scheme information document and your distributor for availability and limits.

This dedicated step-up calculator focuses on nominal corpus growth. Use our SIP calculator for optional inflation-adjusted projections.

Stopping or reducing step-up does not affect units already allotted. Future instalments continue at the last registered amount until you change the mandate.

It estimates how an annual increase in your SIP (for example 10% each year with salary hikes) changes total invested amount and final corpus versus a flat SIP — useful for salary-linked mutual fund planning in India.

Enter starting SIP, step-up %, expected return and years. Each year the monthly amount rises, so total invested and projected corpus exceed a flat SIP. Market returns remain unguaranteed.

Linking SIP growth to annual hike is a common habit that keeps savings rate steady as income rises. Compare flat vs step-up in this tool; affordability and emergency funds still come first.