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Step Up SIP Calculator
Calculate SIP returns with yearly increase in investment amount
Calculate Your Returns
₹
%
%
Yr
Total value
₹16,34,449
Est. returns
₹6,78,204
Total invested
₹9,56,245
Step-Up SIP vs Regular SIP
Extra Returns (Step-Up)₹1,58,024
Regular SIP Value₹11,20,179
Regular SIP Invested₹6,00,000
Step-Up SIP vs Regular SIP Growth
Year-by-Year Breakdown
Year 1(₹5,000/month)
₹63,832Year 2(₹5,500/month)
₹1,41,708Year 3(₹6,050/month)
₹2,35,950Year 4(₹6,655/month)
₹3,49,226Year 5(₹7,321/month)
₹4,84,590Year 6(₹8,053/month)
₹6,45,543Year 7(₹8,858/month)
₹8,36,092Year 8(₹9,744/month)
₹10,60,814Year 9(₹10,718/month)
₹13,24,942Year 10(₹11,790/month)
₹16,34,449Investment Breakdown
Initial Monthly SIP₹5,000
Step-Up Percentage10.0% per year
Final Monthly SIP₹11,790
Expected Return (p.a)12.00%
Investment Period10 years
Total Invested₹9,56,245
Estimated Returns₹6,78,204
Total Value₹16,34,449
Return Percentage70.92%
Understanding Step-Up SIP
What is Step-Up SIP?
Step-Up SIP automatically increases your monthly investment by a fixed percentage each year. This helps you invest more as your income grows, accelerating wealth creation without manual intervention.
Benefits:
- • Higher Returns: Invest more over time, leading to significantly higher corpus
- • Discipline: Automatic increase ensures consistent investment growth
- • Income Alignment: Matches investment growth with salary increments
- • Compounding Advantage: Larger investments benefit more from compounding
- • Goal Achievement: Helps reach financial goals faster
How It Works:
- • Start with an initial monthly investment amount
- • Each year, the investment increases by the step-up percentage
- • Example: ₹5,000/month with 10% step-up becomes ₹5,500 in Year 2, ₹6,050 in Year 3
- • The increased amount continues for the entire year
- • All investments benefit from compounding returns
Best Practices:
- • Set step-up percentage based on expected salary increments (typically 5-15%)
- • Start with a comfortable initial amount
- • Review and adjust step-up percentage annually if needed
- • Consider step-up SIP for long-term goals (5+ years)
- • Combine with equity funds for maximum growth potential
Disclaimer: This calculator is for estimation purposes only. Results are approximate and may vary from actual values. Please consult with a financial advisor for personalized advice.