The investor can check future return of SIP value + yearly increase of SIP by Top Up to existing SIP yearly out of his / her annual increase in salary or income. The working of Top up of yearly SIP amount can be understood by a simple example - if a investor enters Monthly SIP Rs. 10000 and enters period of investment as 3 years and chooses Rs 5000 as TOP of SIP every year. It means after one year i.e. from 13th month the SIP will be 10000 + 5000 = 15000 for next 12 months and after 2 years i.e. from 25th to 36 month the SIP will be 15000 + 5000 = 20000. In this case total investment of Rs 5.40 Lac grows to Rs. 614330 at 10% of Expected Yearly Rate of Return entered. Like wise you can plan your investment with addtional contribution from yearly increase in salary for long term investment.