Core
Mutual Funds
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Home › Calculators › Step-up SIP Calculator
Your income rises most years. A step-up SIP raises your instalment by a fixed percentage every year to match, which changes the final corpus far more than most people expect from such a small annual increase.
The instalment is invested at the start of each month and rises by your step-up percentage on each anniversary. Returns compound monthly at the rate you set.
after 15 years
Illustration only, based on the assumptions you enter. Not a projection or guarantee of returns. Does not account for taxes, exit loads or expenses.
| Year | Monthly SIP | Invested this year | Total invested | Value at year end |
|---|
Many AMCs let you register the annual increase once, so it happens automatically without paperwork every year. Send us your figures and we will set it up with the schemes you choose.
A step-up SIP, sometimes called a top-up SIP, raises your instalment by a set percentage each year. If you start at ₹25,000 with a 10% step-up, year two is ₹27,500, year three is ₹30,250, and so on. Most AMCs let you register this once so it happens automatically.
The logic is straightforward. Your salary and your costs both rise over time, but a flat SIP registered ten years ago is quietly shrinking as a share of your income. Stepping it up keeps your investing in proportion to what you earn.
A 10% annual increase sounds modest. Over fifteen years it means your final instalment is nearly four times the first one, and those larger instalments still get years of compounding. Set the step-up to 0% and note the corpus, then set it to 10% and compare — the row marked "Gained over a flat SIP" shows the difference directly.
Match it to your realistic income growth rather than to ambition. If your income rises around 8–10% a year, a 10% step-up is sustainable. A 25% step-up looks impressive in the calculator and becomes uncomfortable by year five, and a SIP you have to stop is worse than a smaller one you can maintain.
Nidhish Investments, founded by Nimesh Vala, is an AMFI-registered Mutual Fund Distributor and an APMI-registered PMS Distributor working with families across Gujarat. We distribute three categories of SEBI-regulated products, and the right one depends on the capital you are working with and the risk you can carry.
Core
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Newer category
A SEBI category positioned between Mutual Funds and PMS. SIF strategies have wider freedom in how they are run, including the use of derivatives, and carry higher risk than conventional Mutual Funds.
Minimum ₹10 lakh
About SIF →Larger portfolios
Securities are held in your own demat account and managed on your behalf by a SEBI-registered portfolio manager, against a defined strategy rather than a pooled scheme.
Minimum ₹50 lakh
About PMS →Only in the amount. An ordinary SIP debits the same figure every month for years. A step-up SIP raises that figure on each anniversary by the percentage you set. Everything else — the scheme, the units, the liquidity — works identically.
Usually not. Most AMCs allow you to register the step-up when you start the SIP, and the increase is then applied automatically. Your bank mandate needs to be registered for an amount at least as high as the largest future instalment.
Something close to your expected annual income growth, commonly 5% to 10%. The test is whether you could still pay the instalment in year seven or eight without strain. A step-up you have to cancel defeats the purpose.
Yes. You can cancel the step-up and continue the SIP at the current amount, or stop the SIP entirely. Units already purchased are unaffected and stay invested until you redeem them.
Starting larger is better if you can afford it, because that money compounds from day one. The step-up exists for people who cannot commit a large instalment today but expect to afford more later. Comparing both in this calculator is the quickest way to see the trade-off.
Statutory disclosures and risk disclaimer
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Nidhish Investments is an AMFI-registered Mutual Fund Distributor holding ARN-364347, and an APMI-registered Portfolio Management Services Distributor holding APRN-10163. We act solely as a distributor of investment products. We are not registered with SEBI as an Investment Adviser and do not provide investment advice, financial planning or portfolio management services.
This calculator is provided for illustration only. It uses the assumptions you enter and does not constitute a projection or guarantee of returns. It does not account for taxes, exit loads, expenses or changes in regulation. Past performance of any scheme, strategy or portfolio manager is not indicative of future results, and no returns are assured or guaranteed.
As a distributor, Nidhish Investments receives commission or brokerage from Asset Management Companies and portfolio managers on investments made through us. Details of commission earned on any product will be disclosed to you on request. Investors are advised to consult their own tax and legal professionals before investing. Registration status can be independently verified on the AMFI and APMI websites.