Step Up SIP Calculator

%
%
Years
%

Final Value:

Invested Amount: ₹0.00

Estimated Returns: ₹0.00

Total Value (with Step-Up): ₹0.00

Total Value (without Step-Up): ₹0.00

Inflation Adjusted Value: ₹0.00

Year Monthly Investment Total Investment Interest Earned Maturity Amount Inflation Adjusted Value
1₹5000.00₹60000.00₹4046.64₹64046.64₹60421.36
2₹5500.00₹126000.00₹12574.02₹142620.66₹126931.88
3₹6050.00₹198600.00₹22984.30₹238204.97₹200001.48
4₹6655.00₹278460.00₹35596.43₹353661.40₹280132.95
5₹7320.50₹366306.00₹50777.80₹492285.20₹367864.14
6₹8052.55₹462936.60₹68951.24₹657867.04₹463770.30
7₹8857.81₹569230.26₹90602.88₹854763.58₹568466.60
8₹9743.59₹686153.29₹116291.17₹1087977.78₹682610.72
9₹10717.94₹814768.61₹146657.15₹1363250.25₹806905.73
10₹11789.74₹956245.48₹182436.02₹1687163.13₹942103.08

What is a Step Up SIP Calculator?

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.

Key Benefits of Using Step Up SIP
Benefit Description
Periodic Investment Increase Investment amount automatically increases at regular intervals, typically every year.
Financial Flexibility Users can set their own step-up percentage, allowing them to tailor the investment based on future financial goals.
Compounding Power By increasing the amount you invest over time, your returns benefit from compounding, leading to higher growth.
Cost Averaging The strategy helps balance out investment risks by distributing them over time, reducing market timing concerns.
Goal Alignment Align your growing investments with increasing financial needs, ensuring you're always on track to meet goals.

How to Use the Step Up SIP Calculator

  1. Input the initial monthly investment amount.
  2. Set the annual step-up rate (the percentage increase of your investment amount every year).
  3. Enter the expected annual return rate (in percentage).
  4. Choose the investment period (in years).
  5. Select the step-up frequency (yearly or monthly).
  6. Click "Calculate" to view the results.

The results will display:

How Does Step Up SIP Work?

Step Up SIP works by increasing your investment at regular intervals. Here’s a simplified example:

Year Monthly Investment Annual Investment Total Cumulative Investment
1 ₹10,000 ₹120,000 ₹120,000
2 ₹11,000 ₹132,000 ₹252,000
3 ₹12,100 ₹145,200 ₹397,200

Comparison with Other Investment Options

Feature Step Up SIP Regular SIP Lump Sum Investment
Initial Investment Lower Lower Higher
Periodic Investment Increases Over Time Fixed One-time
Market Timing Risk Low Low High
Flexibility High Moderate Low
Best For Long-term goals Regular savings Large available corpus

Example: Step Up SIP vs Regular SIP

Let's compare a Step Up SIP with a regular SIP over a 10-year period:

Parameter Regular SIP Step Up SIP (10% annual increase)
Initial Monthly Investment ₹10,000 ₹10,000
Total Investment (10 years) ₹12,00,000 ₹18,73,190
Assumed Annual Return 12% 12%
Final Corpus ₹23,24,283 ₹31,92,065