Step Up Sip Calculator

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Step-Up SIP Calculator – Grow Your Investments Smarter

Use this calculator to estimate how increasing your SIP contribution annually can boost your returns. A Step-Up SIP lets you invest more as your income grows, helping you reach your goals faster.

Calculate Your Step-Up SIP Returns
Total Invested

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Wealth Gained

₹0

Final Value

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Types of SIP Investment Options
Equity SIP

Invests in equity mutual funds for long-term growth, ideal for wealth creation with higher risk appetite.

Debt SIP

Offers stable returns by investing in government securities and corporate bonds — lower risk, consistent gains.

Hybrid SIP

Combines equity and debt funds for balanced risk and return — suitable for moderate investors.

Gold SIP

Invests in gold ETFs and mutual funds — a great way to hedge against inflation and diversify your portfolio.

Benefits of Step-Up SIPs
  • Invest more as your income grows
  • Boosts corpus without big initial outlay
  • Disciplined and automated approach
  • Compounds faster with increasing amounts
  • Ideal for long-term wealth creation
  • Reduces market timing risk
  • Budget-friendly in early years
  • Customizable as per financial goals
Frequently Asked Questions About Step-Up SIPs
What is a Step-Up SIP?
It is a Systematic Investment Plan where the SIP amount increases every year by a fixed percentage.
In regular SIP, the investment amount remains constant. In Step-Up SIP, the amount increases annually, allowing higher future investments.
Yes. It allows new investors to start small and increase contributions gradually as income improves.
A 10–15% annual step-up is ideal for most investors, aligning with average salary growth and inflation.
Yes. You can change or pause the step-up at any time through your mutual fund provider or broker platform.
Step-Up SIPs are taxed the same way as regular SIPs based on holding period and capital gains rules.
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