Ans- Yes, step up SIP is very helpful for creating a robust corpus over the long term. Step up SIP automates the process of regular investment in mutual funds and adds incremental investments periodically for additional savings, as income and savings increase with time.

Step Up SIP

Step Up SIP Calculator

Q: What is step up in SIP?

Ans- Regular SIPs consider a fixed investment amount for the entire tenure. A step up SIP also gives the option to increase or ‘step up’ the periodic investment amount every year. This step up is added as a percentage increase to the initial investment.

Q: Is Rupeezy’s step up SIP calculator free to use?

Ans- Yes, the Rupeezy step up SIP calculator is free to use. Investors can use the calculator any number of times to consider different investment scenarios and make quick and smart investment decisions.

Q: How does a step up SIP differ from a regular SIP?

Ans- A regular SIP considers a fixed amount of investment for the entire tenure of SIP. A step up SIP offers an additional feature where investors can increase or step up the investment amount every year. The step up is added as a percentage to the initial SIP amount every year.

Q: Can I step up an existing SIP?

Ans- No, you cannot step up an existing SIP. However, you can create another step up SIP and augment your investments with step up option.

SIP Lumpsum

Step up SIP

Monthly InvestmentGoal Amount

Monthly Investment

₹

Annual Step Up

Expected Return Rate (p.a.)

Time Period

Amount Invested

₹ 0

Est. Returns

₹ 0

XIRR

0 %

Goal Amount

₹ 0

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What is a Step Up SIP Calculator?

SIPs are one of the best methods to invest in mutual funds. SIPs enable investors to save and invest small amounts of money periodically. SIPs also offer convenience by automating the investment process. Step up SIP goes a step further and allows the flexibility to increase the SIP amount at specific intervals.

For example, an investor has set up a SIP of Rs 2000 per month and expects his/her income to increase after a year.

Here, the investors can step up SIP by a certain percentage after a year. For example, step up of 20% from next year would mean, the SIP amount will increase from 2000 per month to Rs 2400 per month automatically.

The step up SIP calculator is an online tool that enables investors to calculate potential returns and the final investment value of a step up SIP in mutual funds. With this SIP calculator with step up, you can easily foresee the maturity value with an additional variable of step up.

How does the Step Up SIP Calculator Work?

Step up SIP calculator requires the below inputs for calculation:

Initial investment: The amount of initial SIP to be invested every month.
Investment tenure: The total number of years for SIP investment.
Step up percentage: The percentage by which the SIP amount will increase annually.
Expected rate of return: An annualized return expected from the investment.

Even though you need not use manual calculation for SIP returns, it helps to understand the workings.
An SIP calculator uses the below formula to calculate the maturity value
FV = P × ( { [1 + r]^n – 1 } / r) × (1 + r)
In the above formula, the terms mean:

FV is the future value of investment upon maturity.
P is the amount invested at regular intervals.
n is the number of payments done.
r is the expected rate of return.

How to Use Rupeezy's Step Up SIP Calculator?

Step 1: Select the step up SIP
Step 2: Enter the monthly SIP amount
Step 3: Enter the annual step up percentage (the % of increase in SIP)
Step 4: Select the expected rate of return
Step 5: Select the SIP time period or tenure

Perks of using Rupeezy's Step Up SIP Calculator Online

Convenience: Rupeezy's step up SIP calculator is easy to use and allows multiple tries with different inputs to find a suitable plan.
Financial Planning: It helps investors design a practical financial plan considering income and savings growth.
Wealth Creation: Step-up SIP boosts wealth by automating incremental investments, leveraging compounding over time.
Quick Assessment: Our SIP step up calculator provides instant results, eliminating the need for manual calculations.
Inflation Hedging: Encourages higher investments over time to hedge against inflation, protecting financial plans.
Disciplined Investing: Promotes consistent, automated annual investment increases without manual effort.

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