A Step-Up SIP allows you to increase your investment amount periodically, helping your investments grow with your income. This calculator helps you understand the power of increasing your SIP contributions over time.
Total Invested Amount
₹956,245
Estimated Returns
₹730,918
Total Value (with Step-Up)
₹1,687,163
Total Value (without Step-Up)
₹1,161,695
Inflation Adjusted Value
₹942,103
| Year | Monthly Investment | Total Investment | Interest Earned | Maturity Amount | Inflation Adjusted Value |
|---|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹4,047 | ₹64,047 | ₹60,421 |
| 2 | ₹5,500 | ₹126,000 | ₹12,574 | ₹142,621 | ₹126,932 |
| 3 | ₹6,050 | ₹198,600 | ₹22,984 | ₹238,205 | ₹200,001 |
| 4 | ₹6,655 | ₹278,460 | ₹35,596 | ₹353,661 | ₹280,133 |
| 5 | ₹7,321 | ₹366,306 | ₹50,778 | ₹492,285 | ₹367,864 |
| 6 | ₹8,053 | ₹462,937 | ₹68,951 | ₹657,867 | ₹463,770 |
| 7 | ₹8,858 | ₹569,230 | ₹90,603 | ₹854,764 | ₹568,467 |
| 8 | ₹9,744 | ₹686,153 | ₹116,291 | ₹1,087,978 | ₹682,611 |
| 9 | ₹10,718 | ₹814,769 | ₹146,657 | ₹1,363,250 | ₹806,906 |
| 10 | ₹11,790 | ₹956,245 | ₹182,436 | ₹1,687,163 | ₹942,103 |
Step Up Systematic Investment Plan (SIP) Calculator can help you estimate the future gain at the end of the investment. With regular SIPs, the amount or tenure of investment tends to stay the same throughout. However with Step Up SIP, one can gradually increase the amount they invest into their fund every month, thus enabling their savings to keep up with growing financial requirements and salary increases.
Investment amount automatically increases at regular intervals, typically every year.
Users can set their own step-up percentage, allowing them to tailor the investment based on future financial goals.
By increasing the amount you invest over time, your returns benefit from compounding, leading to higher growth.
The strategy helps balance out investment risks by distributing them over time, reducing market timing concerns.
Align your growing investments with increasing financial needs, ensuring you're always on track to meet goals.
Step Up SIP works by increasing your investment at regular intervals. As your income grows over time, you can increase your investment amount systematically, helping you build a larger corpus for your financial goals.
Starting with ₹10,000 monthly investment and 10% annual increase:
| Feature | Step Up SIP | Regular SIP | Lump Sum |
|---|---|---|---|
| Initial Investment | Lower | Lower | Higher |
| Periodic Investment | Increases Over Time | Fixed | One-time |
| Market Timing Risk | Low | Low | High |
| Flexibility | High | Moderate | Low |