Step Up SIP Calculator

SIP Calculator with Step-up Options (₹) - India

SIP Calculator with Step-up Options (₹)

Total Invested Amount:

Estimated Returns:

Total Value:

  • Features:
      • Calculates SIP returns based on monthly investment, expected annual return rate, and investment period

     

      • Displays results in Indian Rupee format (₹) with comma separators

     

      • Shows Invested Amount, Estimated Returns, and Total Value

     

      • Input validation for all fields

     

      • Responsive design

 

  • Inputs:
      • Monthly Investment Amount (in ₹)

     

      • Expected Annual Return Rate (in %)

     

      • Investment Period (in years)

 

  • Calculation:
      • Uses the standard SIP formula: FV = P × (((1 + r)^n – 1) / r) × (1 + r)

     

    • Where:
        • FV = Future Value

       

        • P = Monthly Investment

       

        • r = Monthly Rate (Annual Rate/12)

       

      • n = Number of months
  • Step-up Options:
      • Dropdown to choose between:
          • No Step-up

         

          • Percentage (%)

         

          • Amount (₹)

     

      • Shows relevant input field based on selection

     

      • Hides unnecessary fields

 

  • Inputs:
      • Initial Monthly Investment (₹)

     

      • Step-up Type (None/Percentage/Amount)

     

      • Step-up Percentage (%) – appears when Percentage is selected

     

      • Step-up Amount (₹) – appears when Amount is selected

     

      • Annual Return Rate (%)

     

      • Investment Period (Years)

 

  • Calculation Logic:
      • Handles all three scenarios:
          • No step-up: Constant monthly investment

         

          • Percentage step-up: Increases by percentage each year

         

          • Amount step-up: Increases by fixed amount each year

     

      • Applies step-up at the start of each year

     

      • Compounds each monthly investment separately

 

  • Examples:
      • Percentage Step-up:
          • Initial: ₹10,000

         

          • Step-up: 10%

         

          • Year 1: ₹10,000/month

         

          • Year 2: ₹11,000/month

         

          • Year 3: ₹12,100/month

     

      • Amount Step-up:
          • Initial: ₹10,000

         

          • Step-up: ₹2,000

         

          • Year 1: ₹10,000/month

         

          • Year 2: ₹12,000/month

         

          • Year 3: ₹14,000/month