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Step-up SIP Calculator

Step-up SIP Calculator is part of Toolspire and is ready as soon as this page loads. The instalment stays flat for 12 months, then rises by the step you choose. Growth is compounded once a month.

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What you can do here

Anniversary step

The SIP rises once a year, which is how most fund houses schedule an increase.

Deposit versus gain

See what you paid in and what growth added.

Flat-SIP check

Set the step to 0 to compare with an ordinary SIP.

The sequence

How to project a step-up SIP

  1. 1

    Start with year one

    Type the monthly amount you can invest now, not the amount you hope to reach later.

  2. 2

    Set the yearly step

    10 means the instalment rises 10% after every twelve months.

  3. 3

    Test more than one return

    Run 8%, 10% and 12%. The gap between them is the uncertainty, not a forecast.

Worth knowing

  • Step-up SIP Calculator on Toolspire: the monthly amount is constant for 12 instalments, then multiplied by (1 + step ÷ 100).
  • A 10% step on ₹5,000 becomes ₹5,500 in year two and ₹6,050 in year three.
  • Each month the new instalment is added and the balance then grows by annual return ÷ 12.
  • At 0% step and 0% return, one year of ₹1,000 a month is exactly ₹12,000.

When the instalment changes

Twelve deposits use the same amount. On the next anniversary the amount is multiplied by (1 + step ÷ 100). Interest is a monthly estimate of NAV growth, not the exact units a fund would allot.

FAQ

Questions about Step-up SIP Calculator

Where does Step-up SIP Calculator run?

Step-up SIP Calculator runs in this tab on Toolspire. What you type or drop in is not sent to us and is not stored on a server.

What is a step-up SIP?

A monthly mutual-fund investment that increases once a year, usually by a percent, so the instalment grows with income.

How is the final corpus worked out?

Each month the SIP is added and the balance grows by the annual return divided by 12. After 12 months the SIP amount itself steps up.

Does zero step match a normal SIP?

Yes. ₹1,000 a month for a year at 0% return finishes at ₹12,000, which is the ordinary SIP with no growth.

Is this return guaranteed?

No. The rate is a what-if. Real NAVs move, and tax can apply when you sell.

Keep going

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