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FundXIndia Step-Up SIP Planner & Guide

Step-Up SIP Calculator

See the power of increasing your SIP amount annually and watch your wealth grow faster.

💰 Wealth Composition (Step-Up)

📊 Investment Summary

Year-wise Projection (Step-Up SIP)

YearAnnual SIP AmountTotal InvestmentTotal ReturnsClosing Balance

Disclaimer: Past performance may or may not be sustained in future. These calculators are for illustrations only. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

What is a Step-Up SIP?

A Step-Up SIP, also known as a top-up SIP, is a facility that allows you to automatically increase your SIP investment amount at regular intervals, typically on an annual basis. This small, periodic increase aligns with your growing income and can significantly accelerate your wealth creation journey.

Financial Growth

How does Step-Up SIP work?

The mechanism is simple. When you start a Step-Up SIP, you specify:

  • Initial SIP Amount: The monthly amount you start with.
  • Step-Up Percentage/Amount: The percentage or fixed amount by which you want to increase your SIP each year.
  • Frequency: The increase is usually applied annually.

For example, if you start a SIP of ₹10,000 with a 10% annual step-up, your SIP will automatically become ₹11,000 next year, ₹12,100 the year after, and so on. This helps you invest more as your salary grows.

Key Benefits of Step-Up SIP

  • Achieve Financial Goals Faster: By increasing your investment amount periodically, you reach your financial goals, like retirement or buying a house, much faster than a regular SIP.
  • Beat Inflation Effectively: A flat SIP might not be sufficient to beat inflation over the long term. A Step-Up SIP ensures your investment pace keeps up with rising costs.
  • Disciplined Investing: It automates the process of increasing your investments as your income grows, enforcing a strong saving discipline without you having to manually do it each year.
  • Power of Compounding on a Larger Base: Your returns are generated on a continuously increasing investment amount, which magnifies the power of compounding and leads to a much larger corpus.

How does the Calculator Help?

Our Step-Up SIP Calculator is a powerful tool that visually demonstrates the impact of annual increments on your investment. It helps you:

  • Visualize the Difference: Clearly see the significant difference in the final corpus between a regular SIP and a Step-Up SIP.
  • Plan Better: Decide on an optimal initial SIP amount and a realistic annual step-up percentage that aligns with your financial capacity and goals.
  • See the "Step-Up Advantage": The calculator quantifies the exact amount of extra wealth you can generate by choosing to step-up your SIPs, motivating you to invest smarter.
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