Step Up SIP Calculator 2025

Step-up SIP is a type of Systematic Investment Plan (SIP) where you increase your investment amount by a certain percentage every month or year. This can help you grow your wealth over time faster than a regular SIP. A Step Up SIP calculator is a powerful and user-friendly financial tool that enables you to estimate the expected SIP return and potential growth of your investment. Let’s dive deeper into how a SIP step up calculator helps you to grow your wealth faster.

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Start SIP with as low as ₹1000
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Zero LTCG Tax^¶
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Disclaimer:# The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds.

Step Up SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

I want to invest Pro Tip

Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth

/Month

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Total Wealth ₹22.4 L

View Plans

I want to save

I want to invest for Pro Tip

Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

19%

High Growth Fund

15.58%

Accelerator Mid-Cap Fund II

15.55%

Opportunities Fund

What is Step Up SIP?

A Step Up SIP, also known as a Top Up SIP, is a systematic investment strategy that allows investors to gradually increase their mutual fund and market-linked fund investments over a specific period. Step Up SIPs offer the flexibility to escalate investment amounts at regular intervals automatically. This can be beneficial for individuals with rising incomes or financial goals, as it helps them align their investments with their growing financial capacity. By increasing the investment amount periodically, investors can potentially benefit from rupee cost averaging and compounding effects, leading to potentially higher returns over the long term.

For Example:

If you start a Step Up SIP of ₹5,000 per month with a 10% annual increase, your investment will look like this:

Year 1: ₹5,000 per month

Year 2: ₹5,500 per month (10% increase)

Year 3: ₹6,050 per month (10% increase)

Year 4: ₹6,655 per month (10% increase)

And so on...

Your investment amount gradually increases over time, potentially leading to higher returns due to the power of compounding.

Insurance Companies
Mutual Funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Virtue II PNB Metlife	17.13%	24.85%	16.54% View Plan
Large Cap Equity Fund Tata AIA	17.27%	20.61%	15.01% View Plan
Pure Equity Birla Sun Life	16.12%	20.92%	14.98% View Plan
Grow Money Plus Fund Bharti AXA	13.93%	17.49%	14.22% View Plan
Pure Stock Fund Bajaj Allianz	15.48%	19.56%	14.18% View Plan
Diversified Equity Fund HDFC Standard	13.59%	16.57%	13.95% View Plan
Growth Super Fund Max Life	14.33%	16.21%	12.81% View Plan
Equity Fund SBI	13.77%	15.3%	12.1% View Plan
Bluechip Fund ICICI Prudential	12.07%	14.63%	11.3% View Plan
Equity Large Cap Fund Edelwiess Tokio	11.75%	14.25%	11.15% View Plan

Updated as of Nov 2024

Compare more funds

Fund Name	3 Years	5 Years	10 Years
	Returns
Active Fund QUANT	24.92%	31.48%	21.87%
Flexi Cap Fund PARAG PARIKH	20.69%	26.41%	19.28%
Large and Mid-Cap Fund EDELWEISS	22.34%	24.29%	17.94%
Equity Opportunities Fund KOTAK	24.64%	25.01%	19.45%
Large and Midcap Fund MIRAE ASSET	19.74%	24.32%	22.50%
Flexi Cap Fund PGIM INDIA	14.75%	23.39%	-
Flexi Cap Fund DSP	18.41%	22.33%	16.91%
Emerging Equities Fund CANARA ROBECO	20.05%	21.80%	15.92%
Focused fund SUNDARAM	18.27%	18.22%	16.55%

Updated as of Nov 2024

Compare more funds

What is the Step Up SIP Calculator?

A Step Up SIP Calculator is a financial tool that helps you estimate the potential returns and maturity value of your Step Up SIP investments. The SIP calculator with step-up takes into account the following factors:

Monthly investment amount
Expected rate of return
Tenure of investment

By using the SIP calculator Step Up, you can visualize how your investments can grow over time, considering the compounding effect of regular increases.

Benefits of Using SIP Calculator with Step Up

The following are the benefits of using a SIP calculator with Step Up are:

Offers pre-estimations to avoid post-investment modifications.
Easy to use with a simple interface.
Free and accessible anytime, anywhere.
No need for expert assistance or guidance.

start-an-sip-today-watch-your-money-grow

How Does the Step Up SIP Calculator 2025 Work?

The SIP calculator with Step Up helps investors estimate the future value of their investments when they increase their SIP contributions periodically. The calculator will show how your investments can grow over time with the step-up approach. By offering a clear projection, it allows you to plan your finances effectively and align your SIP strategy with your long-term goals, ensuring you maximise returns while adapting to changing income levels.

How to Use Policybazaar’s Step-Up SIP Calculator?

Using Policybazaar’s SIP Calculator with Step Up is simple. Follow the below-mentioned steps:

Step 1: Find the Step Up SIP calculator page on the given page.

Step 2: Choose between SIP or lumpsum investment and fill in the required information, including:

Monthly investment amount
Expected rate of return (ROI)
Investment tenure

start-small-&-build-your-wealth-for-a-brighter-tomorrow

Step 3: The calculator will instantly display:

Total investment made
Interest earned
Maturity amount

Key Takeaways

The Step Up SIP Calculator is a valuable tool for smart investment planning. It simplifies financial forecasting, enables flexible contributions, and provides clear insights into potential returns. By empowering you to make informed decisions and adapt your investments to changing financial goals, it ensures a disciplined approach to wealth creation. Use the SIP calculator to stay on track and work towards a secure and prosperous financial future.

Frequently Asked Questions

Can I step up the existing SIP in 2025?

Yes, you can step up an existing SIP in 2025. You need to visit the website of your fund house and log in to your SIP account. Select the SIP fund that you wish to step up, enter a new investment amount, and click on the Step Up button.
Why step up SIP is suitable for investors in 2025?
There are a few reasons why Step Up SIP is suitable for investors in 2025:
- Helps to check inflation and ensure that your investment remains valuable.
- Helps you to smooth out the volatility of the market and ensure that your investment grows steadily over time.
- If you have long-term investment goals, such as retirement or a child's education, then Step Up SIP can be a good way to reach your goals.
How is step up SIP calculated?

The amount of your investment in a step-up SIP is calculated using the following formula:
Investment amount = Initial investment amount * (1 + step-up percentage) ^ tenure

For example, if you start with an initial investment amount of ₹5,000 and a step-up percentage of 10%, your investment amount in the second year will be ₹5,500, in the third year, it will be ₹6,050, and so on.
Is step up SIP better?

Step-up SIP can be a good option for you if you are looking to grow your wealth faster and are comfortable with a higher level of risk. However, it is important to consider your individual circumstances and investment goals before deciding if a Step Up SIP is right for you.
When can I choose the step up SIP?

You can choose to Step Up SIP at any time. However, it is important to consider your individual circumstances and investment goals before you decide if Step Up SIP is right for you.
What is the advantage of the SIP?

In SIPs you invest a specific amount every month. With the Step Up SIP, you get the added benefit of increasing the investment amount. You can plan it accordingly with your salary increase or the work bonus. SIPs are a monthly affair, so you also get around the market fluctuations. The interest that you generate over the years is in compounded form. Therefore, if you wish for wealth generation, you should opt for Step Up SIP.
When can I choose the Step Up SIP?

When you begin investing, you can choose to do the Step Up SIP. You can plan the percentage to Step Up as per your finances. This works on the assumptions. Therefore, if you find yourself in a financial predicament, you can always cancel your Step Up SIP and opt for a regular SIP. Depending upon your fund manager, you can suspend your Step Up SIP for three months.
Can I change the Step Up percentage using the Step Up SIP Calculator?

You can readjust the Step Up percentage using the Step Up SIP Calculator. The Fund Manager allows investors to choose the rate they wish to use while doing Top Up or Step Up SIP. While calculating, you can try different combinations of investment amount and the Step Up percentage until you find the one suitable for you. This needs to be done before you invest in the Fund. Once you start investing in the Fund, you can not change the percentage.
What are the tax implications on SIP investment?
SIP premiums will help you get the tax rebates. Below are the details of the tax implications on the SIP investment:
- If long-term capital gains that you earn through your SIP investment are less than Rs. 1 Lac, then you do not have to pay any taxes.
- The short-term capital gains that you earn through SIP are taxed at the 15% tax slab.
- You can even claim tax rebates under the Income Tax Act, 1961 Section 80 C on the SIP premiums you pay every month. The amount has to be up to Rs. 1.5 Lacs.

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
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^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.