Step up SIP Calculator

Monthly Investment
Expected rate of return (p.a.)
Time Period
  • Invested Amount
  • Total Value
Invested Amount
₹ 1,20,000
Estimated Returns
₹ 3,79,574
Total Value
₹ 4,99,574
Lumpsum Investment
Expected rate of return (p.a.)
Time Period
  • Invested Amount
  • Total Value
Invested Amount
₹ 10,000
Estimated Returns
₹ 96,463
Total Value
₹ 1,06,463
Monthly Investment
Lumpsum Investment
Expected rate of return (p.a.)
Time Period
  • Invested Amount
  • Total Value
Invested Amount
₹ 1,30,000
Estimated Returns
₹ 4,76,037
Total Value
₹ 6,06,037
Monthly Investment
Annual step up
Expected rate of return (p.a.)
Time Period
  • Invested Amount
  • Total Value
Invested Amount
₹ 3,43,650
Estimated Returns
₹ 5,87,919
Total Value
₹ 9,31,569

Our Products

How much does it cost to delay
your Step up SIP Calculator

Person A

Early Starter

  • Starts investing at age: 25 years
  • Monthly SIP: ₹10,000
  • Step up every year: 10%
  • SIP period: 35 Years
  • Total investment: ₹3,25,22,924
  • Return p.a. 13.0%
  • Investment value at the age of 60: ₹18.80 crores

Person B

Delayed Starter

  • Starts investing at age: 25 years
  • Monthly SIP: ₹10,000
  • Step up every year: 0%
  • SIP period: 35 Years
  • Total investment: ₹42,00,000
  • Return p.a. 13.0%
  • Investment value at the age of 60: ₹7.01 crores

Cost of delay = ₹11.79 crores

Person A has 2.7 times more wealth than Person B.

How Does It Work?

Imagine two friends, Person A and Person B. Both start investing at age 25 with a monthly SIP of ₹10,000. But they make different choices.

Person A steps up.

A increases his SIP by 10% every year, just like how his salary or business income grows.

Over 35 years, A invests a total of ₹3.25 crores.
By age 60, with 13% average annual returns, his wealth grows to ₹18.80 crores.

Person B does not step up.

B keeps his SIP fixed at ₹10,000 per month for 35 years.
Total investment = ₹42 lakhs.
By 60, his wealth grows to just ₹7.01 crores.

Both started at the same time with ₹10,000 per month.
But A invested ₹2.83 crores more than B, and ends up with ₹11.79 crores more wealth.

Why? Because income usually grows with time — and when you increase your investments along with it, compounding works even harder.

Moral: As your income grows, your investments should grow too. Stepping up your SIP ensures your wealth keeps pace with your life.

Frequently Asked Questions

Questions on your mind? Dont worry we have the answers!

A mutual fund is an investment vehicle that pools money from multiple investors and invests it in stocks, bonds, or other securities. It is managed by professional fund managers who make investment decisions on your behalf. You own “units” in the fund, and the value of your investment goes up or down based on the performance of the underlying assets

You don’t need a large amount to get started. Most mutual funds allow you to begin with as little as ₹500 through a Systematic Investment Plan (SIP). This makes mutual funds accessible for everyone, whether you are a beginner or an experienced investor.

Mutual funds are regulated by the Securities and Exchange Board of India (SEBI), which ensures transparency and investor protection. However, they are not risk-free. The risk depends on the type of fund — equity funds carry higher risk but higher return potential, while debt funds are lower risk but give more stable returns.

Mutual funds offer several benefits such as diversification (spreading your risk across many companies and sectors), professional fund management, liquidity (easy to buy and sell), and flexibility to start small. They are also transparent, as fund details are regularly published by the fund house.

Yes, most mutual funds are open-ended, which means you can redeem your units at any time and get the money in your bank account within a few days. However, some funds like ELSS (tax-saving funds) have a 3-year lock-in period, and certain funds may charge a small exit load if you withdraw too early.

In a SIP, you invest a fixed amount regularly (monthly/quarterly), which helps build discipline and reduces the risk of market timing. In lump sum, you invest a large amount at once, which can work well if markets are at attractive levels. Both methods are effective, and the choice depends on your financial situation and goals.

The right mutual fund depends on your financial goals, time horizon, and risk appetite. For long-term wealth creation, equity funds are better. For stability, debt or hybrid funds may be suitable. At AnbWealth, we help you by analyzing your goals, allocating assets properly, selecting funds through research, and reviewing your portfolio regularly.

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