Calculator
SIP Top-Up Calculator
How this is calculated
The instalment stays the same for twelve months and is then stepped up by 10% of the previous year's instalment. Each instalment is compounded month by month for the time it stays invested, at the start of each month.
Your top-up SIP illustration
Starting at ₹10,000 a month, stepped up every year for 15 years
A flat SIP of ₹10,000 over the same period and at the same assumed return illustrates ₹50,45,760. The annual top-up accounts for the difference of ₹36,38,089, because you invest more in total.
This calculator is an illustrative tool. It uses a constant assumed rate of return and does not predict or guarantee actual results. Mutual fund returns are market-linked and will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
How this calculator works
- The instalment stays constant for twelve months and is then stepped up, either by a percentage of the previous year's instalment or by a fixed rupee amount.
- Each instalment is compounded month by month for the time it remains invested, treated as invested at the start of the month.
- The comparison figure shows the same starting instalment with no top-up, at the same assumed return, so the difference in total invested is visible.
- Expense ratio, exit load and taxes are not deducted.
The output of this calculator is an illustration, not a projection, a recommendation or a promise of returns. It does not take your personal circumstances into account. Read the full disclaimer before acting on it.
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Numbers on a screen are a starting point. We will help you decide the amount, the categories and the timeline that suit your situation.
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