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Aditya Birla Sun Life AMC Limited
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Step up SIP Calculator
The Step-Up SIP Calculator helps you estimate the returns on your increasing SIP investments over time. Use this tool to see how a structured increase in investment can enhance your financial growth.
Min 500
Max 10L
₹
1 Year
30 Years
Min 1%
Max 25%
%
Min 4%
Max 12%
%
Step Up SIP at
1 %
With Step Up
- Total Invested Amount
₹ 6,000 - Total Investment Value
₹ 520
Fixed SIP
Without Step Up
- Total Invested Amount
₹ 6,000 - Total Investment Value
₹ 520
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Note: Returns are neither assured nor guaranteed. There is no warranty about the accuracy of the calculator. Please consult your financial advisors before taking any investment related decisions.
Step-up SIP Calculator
A Systematic Investment Plan (SIP) is a popular method of investing in mutual funds, where a predetermined amount is invested at regular intervals (weekly, monthly, or quarterly).
A Step-Up SIP takes this a step further by allowing you to increase your SIP instalment periodically, usually once a year, by a fixed percentage or amount. This feature helps investors align their savings with income growth and accelerate wealth creation. Instead of starting a new SIP every time you want to invest more, a Step-Up SIP automatically raises your contribution, making investing more structured and efficient.
What is Step up SIP Calculator?
Over time, manually tracking and estimating potential returns under Step-up SIP can become tedious. A Step-up SIP Calculator simplifies this process by providing quick and accurate estimates.
A Step-up SIP Calculator is an online tool that helps investors determine the future value of their SIP investments when the contribution amount increases periodically.
It automatically factors in the annual percentage increase in SIP contributions and provides an estimate of the investment value at the end of the chosen tenure. Within seconds, investors can analyse how step-ups enhance long-term wealth accumulation.
How to use Step-up SIP Calculator?
Using the Step-up SIP Calculator is simple. Follow these steps:
Enter the initial monthly SIP contribution
Input the investment tenure
Provide the expected annual return rate
Specify the annual percentage increase in the SIP amount
The calculator will display:
Total amount invested over the investment tenure
Estimated future value at the end of the tenure
Comparison with a standard SIP (without step-up)
Example Calculation
Investment amount: ₹5,000 per month
Investment period: 5 years
Expected return: 12% per annum
Without step-up: Invested ₹3,00,000 → Estimated value ₹4,12,432
With 10% annual step-up: Invested ₹3,66,306 → Estimated value ₹4,92,285
This demonstrates how increasing SIP contributions leads to higher accumulated wealth over time.
Benefits of Using Step-up SIP Calculator
Some of the benefits of using step-up SIP calculator include:
Estimating returns: Allows you to estimate the potential returns before investing as modifying the SIP is not allowed, which ensures you make informed decisions.
User-friendly: Requires only a few basic inputs for instant results.
Time saving: Eliminates the need for complex manual calculations.
Easy accessibility: Free to use anytime, anywhere, with unlimited calculations.
Smart investing starts with the right tools. You've taken the first step—now explore more calculators designed to meet your unique investment needs. Whether you're building wealth, planning for milestones, or chasing a dream, there's a tool for every need. Click here to explore!
An investor education and awareness initiative by Aditya Birla Sun Life Mutual Fund.
Know Your Customer (KYC):
To invest in Mutual Funds, you will need to complete your Know Your Customer (KYC) requirements. You can do so by visiting any AMC branch or nearest Point of Service and submitting the completed KYC Form along with all the required self-attested documents.
Individual investors would be required to submit the following documents -
A recent passport sized Photograph
A Proof of identity - A copy of your PAN card
A Proof of Address - A copy of your Voter ID card, Passport or Driving License
If you are already KYC Verified and would like to update any of your information, you can submit a completed KYC Details Change Form with the required self-attested documents at your nearest AMC branch or Point of Service.
Once the investor has done KYC with a SEBI registered intermediary, the investor need not undergo the same process again with another intermediary including mutual funds.
SEBI registered Mutual Funds:
We advise investors to make informed decisions and are cautioned to invest only with SEBI registered Mutual Funds.
List of Registered Mutual Funds is available at https://www.sebi.gov.in/intermediaries.html
Redressal of Investor's Grievance:
If you have any queries, grievances or complaints pertaining to your investments, you may approach the respective Fund House through various avenues published on their website.
In case you are not satisfied with the resolution given by AMC, you can approach SEBI by registering your complaint on SCORES (SEBI
Complaints Redress System) through https://scores.gov.in/scores/Welcome.html
Aditya Birla Sun Life AMC Limited /Aditya Birla Sun Life Mutual Fund is not guaranteeing/offering/communicating any indicative yield/returns on investments.
SIP does not assure a profit or guarantee protection against loss in a declining market. Nothing contained herein shall amount to an offer, invitation, advertisement, promotion or sponsor of any product or services. In view of individual nature of tax consequences, each investor is advised to consult his / her own professional tax advisor before taking any investment decision.
Yes, you may miss the payment of a step-up SIP if the chosen scheme offers the facility to temporarily pause the investment.
When you choose conventional SIP, there is no option to periodically increase the contribution amount during the investment tenure. To make additional investments, you need to establish a new SIP. This is when Step-up SIP is beneficial as it allows you to increase the instalment by a certain percentage at regular intervals. This ensures you are able to accumulate wealth and meet your financial goals in the long term without difficulties.
Monthly SIPs can be stepped-up either annually or semi-annually. Only annual step-up is available for quarterly SIPs.
Returns on mutual fund investments are not assured. Therefore, the SIP returns may be determined as per the category of the funds you invest. Before investing in SIP, it is recommended to determine your risk appetite to understand the potential returns on your investments.
You must choose the option of step-up SIP at the time of establishing the same. Modifying the SIP to a step-up SIP during the investment tenure is difficult. You can also cancel the step-up SIP; you need to cancel the original SIP and restart a new SIP as per your preference. In case of liquidity crisis, you may pause the SIP for a period of up to three months.
Generally, Step-up SIP facility is available for all mutual fund schemes that allow investors to invest via a systematic investment plan.
SIPs offer the power of compounding, which means the returns earned on the capital earn additional income that helps to accumulate wealth. When you choose to regularly increase the SIP amount, it helps in further wealth creation. Moreover, as income increases it is important to enhance your savings and step-up SIP is an excellent way to do this.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
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Thank you for taking the first step towards wealth creation. The SIP calculation has been sent to your email.
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