Enter Your Details
Increase your SIP amount annually
Your Results
Regular SIP
Total Investment
₹6,00,000
Estimated Returns
₹5,61,695
SIP Value without Top-Up
₹11,61,695
* This calculator provides an estimate based on the inputs provided. Actual returns may vary based on market conditions.
Growth Chart
About SIP Calculator
Regular & Step-up SIP
Compare regular SIP with step-up SIP to see how increasing investments annually accelerates wealth creation
Power of Compounding
Visualize how your investments grow over time with compound returns and rupee cost averaging
Growth Visualization
Interactive charts show year-by-year growth of your investments vs returns
Flexible Planning
Adjust investment amount, duration, and expected returns to match your financial goals
What is SIP?
A Systematic Investment Plan (SIP) is a method of investing in mutual funds where you invest a fixed amount regularly (monthly, quarterly, etc.). It's a disciplined approach to wealth creation that helps you benefit from rupee cost averaging and the power of compounding.
Benefits of SIP:
- Disciplined investing habit
- Rupee cost averaging reduces market timing risk
- Power of compounding over long term
- Flexibility to start with small amounts
- Convenient and automated
What is Step-up SIP?
Step-up SIP allows you to increase your SIP amount periodically (usually annually) by a fixed percentage. This helps you align your investments with your growing income and accelerate wealth creation.
Why Choose Step-up SIP?
Matches Income Growth
As your salary increases, your investments grow proportionally
Higher Corpus
Significantly larger wealth accumulation compared to regular SIP
Beat Inflation
Regular increases help maintain purchasing power over time
Faster Goal Achievement
Reach your financial goals sooner with accelerated savings
Example: Starting with ₹5,000/month with 10% annual step-up means you'll invest ₹5,500 in year 2, ₹6,050 in year 3, and so on. Over 20 years, this can create significantly more wealth than a fixed SIP.