How much more do I build by increasing my SIP every year?

A step-up SIP raises your monthly instalment by a fixed percentage every year, usually in line with your income. Because later instalments are larger, the same starting amount builds a meaningfully bigger corpus than a flat SIP held at the same amount throughout.

It depends on your starting SIP, the step-up rate and the number of years — a higher rate compounds the difference faster since larger instalments arrive earlier relative to the goal date. Use the calculator above with your own numbers to see the exact gap between a step-up and a flat SIP.

A common rule of thumb is to match your expected annual salary increment, typically 8–12%. Setting it too aggressively can strain your cash flow in later years, so pick a rate you're confident you can sustain even in a slow income-growth year.

At a constant assumed return, yes — a step-up SIP invests more money over the same period, so it always ends with a larger corpus than a flat SIP of the same starting amount. The real-world trade-off is a higher outflow each year, not a guaranteed return.

Most fund houses let you pause, reduce or cancel a step-up instruction and set a fresh one, though the process varies by AMC and platform. Check your specific fund's step-up SIP terms before committing to an aggressive rate.

Most major AMCs and platforms support step-up SIPs today, but not universally — a few smaller funds or direct-to-AMC routes may only offer flat SIPs. Confirm with your specific fund or platform before setting one up.