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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SIP Benefits
- Start SIP with as low as ₹1000
- No hidden charges
- Save upto ₹46,800 in Tax under section 80C^
- Zero LTCG Tax¶
- Disciplined & worry-free investing
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Step Up SIP Calculator
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What is Step Up SIP?
A Step Up SIP (also known as a Top Up SIP) is your ticket to smarter, more flexible investing. Unlike a regular SIP, where you invest the same amount every month, a Step Up SIP lets you automatically increase your investment by a set percentage or fixed amount each year. This means your investments keep pace with your growing income and financial goals—without you lifting a finger.
Here’s how it works:
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Start with a monthly SIP—say, ₹5,000.
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Set an annual increase—like 10%.
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Each year, your SIP amount grows:
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Year 1: ₹5,000/month
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Year 2: ₹5,500/month
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Year 3: ₹6,050/month
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Year 4: ₹6,655/month
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...and so on.
By steadily increasing your contributions, you get the power of compounding and rupee cost averaging—two of the most important forces in long-term wealth creation.
Best SIP Funds
Large Cap Equity Fund
₹2,675
₹
After 5 years+ 23.91 %
Opportunities Fund
₹37,289
₹
After 5 years+ 24.85 %
Accelerator Mid-Cap Fund II
₹5,652
₹
After 5 years+ 23.2 %
Diversified Equity Fund
₹3,581
₹
After 5 years+ 19.85 %
Frontline Equity Fund
₹4,348
₹
After 5 years+ 22.82 %
Grow Money Plus Fund
₹440
₹
After 5 years+ 19.65 %
Large Cap Equity Fund
₹2,675
₹
After 5 years+ 23.91 %
Diversified Equity Fund
₹3,581
₹
After 5 years+ 19.85 %
Frontline Equity Fund
₹4,348
₹
After 5 years+ 22.82 %
Grow Money Plus Fund
₹440
₹
After 5 years+ 19.65 %
Growth Super Fund
₹13,357
₹
After 5 years+ 19.2 %
Maximize India Fund
₹849
₹
After 5 years+ 19.94 %
Opportunities Fund
₹37,289
₹
After 5 years+ 24.85 %
Accelerator Mid-Cap Fund II
₹5,652
₹
After 5 years+ 23.2 %
Growth Opportunities Plus Fund
₹986
₹
After 5 years+ 22.23 %
Classic Opportunities Fund
₹13,638
₹
After 5 years+ 20.57 %
Opportunities Fund
₹3,368
₹
After 5 years+ 21.88 %
Equity Top 250 Fund
₹539
₹
After 5 years+ 19.05 %
Whole Life Income Fund
₹866
₹
After 5 years+ 6.04 %
Individual Preserver Pension Fund
₹136
₹
After 5 years+ 5.52 %
Whole Life Aggressive Growth Fund
₹878
₹
After 5 years+ 22.02 %
Save N Grow Money Fund
₹65
₹
After 5 years+ 11.51 %
Asset Allocation Fund II
₹295
₹
After 5 years+ 13.31 %
Multi Cap Balanced Fund
₹2,021
₹
After 5 years+ 13.76 %
Super Select Equity Fund
₹1,296
₹
After 5 years+ 20.79 %
How Does the Step Up SIP Calculator Work?
The step up sip calculator formula is designed to estimate the future value of your SIP investments if you increase your SIP amount by a fixed percentage (or amount) at regular intervals—usually every year. You simply enter basic details like your initial SIP amount, expected return rate, investment duration, and the annual step-up percentage. The calculator then computes the total value of your investments, showing how gradually increasing your SIP can significantly boost your wealth over time.
Step Up SIP Calculator with Inflation:
Some advanced calculators also allow you to factor in inflation, helping you see the real (inflation-adjusted) value of your future corpus, making your planning even more robust.
- Insurance Companies
- Mutual Funds
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 5 Years | 7 Years | 10 Years | |
| High Growth Fund Max Life | 30.5% | 22.12% |
18.46%
View Plan
|
|
| Top 200 Fund Tata AIA | 30.5% | 22.56% |
19.2%
View Plan
|
|
| Accelerator Mid-Cap Fund II Bajaj Allianz | 23.2% | 13.5% |
14.56%
View Plan
|
|
| Opportunities Fund HDFC Standard | 24.85% | 15.7% |
14.7%
View Plan
|
|
| Equity II Fund Canara HSBC Oriental Bank | 18.37% | 10.87% |
10.4%
View Plan
|
|
| Growth Opportunities Plus Fund Bharti AXA | 22.23% | 15.46% |
14.51%
View Plan
|
|
| Multiplier Birla Sun Life | 25.47% | 15.29% |
15.46%
View Plan
|
|
| Equity Top 250 Fund Edelwiess Tokio | 19.05% | 12.68% |
11.48%
View Plan
|
|
| Opportunities Fund ICICI Prudential | 21.88% | 14.05% |
12.5%
View Plan
|
|
| Flexi Growth Fund LIC | - | - |
-
View Plan
|
|
| Returns | ||||
|---|---|---|---|---|
| Fund Name | 3 Years | 5 Years | 10 Years | |
| Active Fund QUANT | 23.92% | 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%
|
|
Last updated: May 2025
Why Use a Step Up SIP Calculator?
Below are the reasons why you should use a step up SIP calculator:
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Estimate your future wealth:
See how your investments could grow with regular step-ups.
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Visualize your progress:
Get instant projections on total investment, interest earned, and maturity value.
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Plan with confidence:
Align your SIP strategy with your evolving financial capacity and goals.
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Factor in inflation:
Some calculators allow you to include inflation, giving you a more realistic estimate of your purchasing power at maturity.
How to Use Policybazaar’s Step-Up SIP Calculator
Using Policybazaar’s SIP step up calculator is simple. Follow the steps:
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Find the Step Up SIP Calculator on Policybazaar’s website.
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Select your investment type:
SIP or lumpsum.
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Enter your details:
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Monthly investment amount
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Expected rate of return
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Investment tenure
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Step-up percentage
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View your results instantly:
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Total investment
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Interest earned
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Maturity amount
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What are the Benefits of the Step Up SIP Calculator?
Below are the benefits of Step Up SIP calculator:
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Instant clarity:
Get a clear picture of your investment’s future—no spreadsheets required.
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Easy and free:
User-friendly, accessible anytime, anywhere.
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Decision Making:
Make informed decisions and stay motivated as you see your wealth-building potential unfold.
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No complex calculations:
The calculator does the difficult work by removing the need to do manual calculations, so you can focus on your goals.
Key Takeaways
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Step Up SIPs are perfect for anyone with rising income or ambitious financial goals.
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The Step Up SIP Calculator 2025 transforms complex projections into simple, actionable insights.
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With flexible contributions and clear forecasts, you can invest with confidence and discipline—maximizing your returns and building a secure financial future.
FAQs
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What is SIP?
A Systematic Investment Plan (SIP) is a disciplined investment method where you invest a fixed amount at regular intervals (monthly, quarterly, etc.) in mutual funds. You choose the amount, frequency, and scheme to align with your financial goals. -
What are various types of SIP?
There are four primary SIP types:-
Step Up SIP: Automatically increases your investment amount periodically (e.g., annually).
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Flexible SIP: Lets you adjust contributions up/down or skip payments during cash crunches.
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Perpetual SIP: No fixed end date; redeem funds whenever goals are met.
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Trigger SIP: Links investments to market triggers (NAV, index levels), but carries higher risk due to speculation.
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Is it okay if I miss a step up SIP payment?
Yes, if your mutual fund allows pausing SIPs. Check your fund’s rules or consult your provider to confirm flexibility. -
How do I start a Step Up SIP online?
Select a mutual fund aligned with your goals and risk profile, then opt for the Step Up SIP feature during online enrollment. Most platforms let you set the step-up frequency and percentage digitally. -
Which SIP type is best for beginners?
Step Up SIP or Flexible SIP are ideal. Step Up grows with your income, while Flexible SIP adapts to cash flow—both balance discipline and adaptability. -
Is Trigger SIP suitable for long-term goals?
Not recommended. Trigger SIP relies on market timing, which increases risk. For long-term goals like retirement, opt for Step Up or Perpetual SIP for steady, compounding growth. -
How does a Step Up SIP differ from a regular SIP?
A regular SIP invests a fixed amount monthly. Step Up SIP increases your contribution annually (e.g., by 10%), accelerating wealth creation through compounding and rising investments. -
Can I switch from a regular SIP to a Step Up SIP later?
Yes, most funds allow you to modify your SIP type online. Contact your provider or use their portal to upgrade your plan.
˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. 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. 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.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^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.
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