How much more do I get if I raise my SIP every year?
A step-up (or top-up) SIP raises your monthly investment each year, usually in line with your pay. Enter your starting SIP, the yearly step-up, the return you expect and the period to see the difference it makes.
Value at the end
₹86,83,849
Indicative only. Your lender’s figures may differ. Nothing you enter here is sent anywhere or stored.
Each month the instalment is invested at the start of the month and the balance grows by the yearly return ÷ 12. At the start of every new year the instalment rises by the step-up. The flat SIP line is the same starting amount never raised.
If you enter
You get
These are the calculator's starting values. Change them above to see your own.
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Angel One
A SIP whose monthly amount rises by a fixed percentage (or amount) every year. Most fund houses let you set it up once, so it happens on its own.
Many people match their yearly pay rise, often 5% to 10%. Even 5% a year makes a large difference over 15 years or more.
No. Mutual fund returns go up and down; the rate here is an assumption, applied evenly every month.
Short reads that explain how it works before you decide.
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