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Step-Up SIP Goal Calculator

This calculator helps you understand how increasing your SIP every year (Step-Up SIP) can significantly reduce your initial monthly investment while still achieving a fixed financial goal.

Ideal for long-term goals such as retirement, children’s education, or wealth creation where income is expected to grow over time.

Disclaimer: Calculations are indicative only. Mutual fund returns are market-linked and may vary from actual results.

Compare up to 4 Step-Up SIP Goals

Why Step-Up SIP Is Better

A Step-Up SIP allows you to start investing with a lower monthly amount and increase it gradually every year. This approach reduces financial pressure in the early years while still helping you achieve large long-term goals.

✔ Lower burden in the early years

You don’t need to invest a large amount from day one. Step-Up SIP lets you begin comfortably and build discipline early.

✔ Grows with your income

As your salary or business income increases, your SIP increases too, making higher investments easier to manage.

✔ Helps achieve bigger goals

Gradual increases in SIP amount allow you to invest more over time, leading to a higher final corpus without stress.

✔ Better than delaying investments

Starting early with a Step-Up SIP is far more effective than waiting and investing a high flat amount later, thanks to compounding.

In simple terms: Step-Up SIP makes long-term investing easier, smarter, and more sustainable.

Step-Up SIP – Frequently Asked Questions

A Step-Up SIP is a systematic investment plan where your monthly investment increases every year by a fixed percentage, helping you start small and invest more as your income grows.

In a normal SIP, the monthly amount remains constant. In a Step-Up SIP, the investment increases every year, reducing initial burden while achieving the same goal.

Step-Up SIP is ideal for young professionals, salaried individuals, and anyone expecting regular income growth over time.

A step-up rate of 5% to 10% per year is commonly used, as it aligns well with average salary increments.

No. Investment risk depends on market performance and fund selection, not on whether your SIP is flat or step-up.

Yes. In real-world investing, you can modify or pause the step-up. This calculator assumes consistent increases for planning clarity.

No. Results are indicative and based on expected CAGR. Actual returns may vary due to market conditions.

Disclaimer: SIP investments are subject to market risks. Please read all scheme-related documents carefully.

Why Step-Up SIP Works

  • Lower burden in early years.
  • Matches income growth over time.
  • Encourages long-term discipline.
  • Helps achieve large goals comfortably.
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