Step Up SIP Calculator

Starting Lump Sum (₹): 0

Monthly SIP Amount (₹): 25,000

Annual Step-Up (%): 10%

Expected Rate of Return (% per year): 12%

Time Period (Years): 10 years

Inflation Rate (% per year): 7%

● Investment● Return

Total Investment (₹):

Total Value (₹):

Inflation-Adjusted Value (₹):

Uncertainty-Adjusted Range (₹):

If you found this useful, check out the Arthgyaan step-up SWP calculator.

If you are looking to understand how to best manage your mutual fund portfolio, you can get a free Mutual fund portfolio review.

What is a step-up SIP?

SIP SWP and STP

All of these are standing instructions that get executed as per a schedule you specify:

Systematic Investment Plan (SIP): Money from a bank account is invested into a mutual fund, typically once a month
Systematic Transfer Plan (STP): Units from a mutual fund are redeemed to invest in another mutual fund of the same AMC
Systematic Withdrawal Plan (SWP): This is the reverse of the SIP. You sell the units from a mutual fund to send money to a bank account

A SIP is an instruction to a mutual fund to deduct from your bank account, typically every month, to invest in a mutual fund. The amount invested stays the same every month.

A step-up SIP is one where you increase the monthly amount invested, say by 5% or 10%, every year. This way you make a lot more money vs. the normal fixed SIP.

You can see how the monthly amounts in a SIP and step-up SIP change like this:

Year	SIP per month	10% Step-up SIP per month
1	1,000	1,000
2	1,000	1,100
3	1,000	1,210
4	1,000	1,331
5	1,000	1,464
6	1,000	1,611
7	1,000	1,772
8	1,000	1,949
9	1,000	2,144
10	1,000	2,358

To understand more about step-up SIP, please refer to these articles:

How to use the Arthgyaan step-up SIP calculator?

You need to enter just these numbers to get started with the Arthgyaan step-up SIP calculator:

Starting Lump Sum: This is the money that you already have as a lump sum. You will invest this either immediately or over the next few months. But you need to include that as the starting value. If you don’t have this amount already, leave it as zero
Monthly SIP Amount: This is the money you will invest every month
Time Period (Years): Your step-up SIP will run for these many years

These inputs are optional and can be left as-is

Annual Step-Up: This is the step-up amount. You will increase the SIP amount by this amount next year
Expected Rate of Return: Enter the return you think you will get. 12% is a typical number but it will vary year-on-year
Inflation Rate: This is how much the value of the corpus will reduce due to inflation (prices of things going up over time). This will give you a more realistic value of how much you will make in today’s money

How to understand the results of the Arthgyaan step-up SIP calculator?

The output of the Arthgyaan step-up SIP calculator has two easy to understand parts:

a ring chart that shows how much of the final amount comes from the money you invested vs. the return that you got
four numbers that we now explain below

These are the numbers what have the result of the Arthgyaan step-up SIP calculator:

Total Investment: This is the total amount that you will invest including the lump sum and the SIP
Total Value: This is the final amount that you are expected to make
Inflation-Adjusted Value: This is the value after you adjust for prices going up over time. While you can create any large corpus in lakhs and crores over many years, you need to remember that overall things double in price every 10 years
Uncertainty-Adjusted Range: Arthgyaan is proud to say that the Arthgyaan step-up SIP calculator is the first to show the uncertainty of investing in the stock market by showing you a range of numbers for the corpus you are expected to make after adjusting for inflation. The range will change every time you recalculate

To understand more about Uncertainty-Adjusted Range, please refer to our detailed article that will help you adjust your expectations from investing in the stock market:

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