💰 Step-Up SIP Calculator with Lumpsum
Plan your wealth journey with intelligent step-up investments
| Year | Invested | SIP Amount | Portfolio Value |
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Quick Guide: Step-Up SIP + Lumpsum Calculator
1. Getting Started
Begin by entering the details of your investment plan in the panel on the left. You can also choose from preset options like Conservative, Moderate, Aggressive, or Retirement to quickly load typical scenarios.
- Currency: Select your preferred currency.
- Initial Lumpsum: Enter the one-time amount you plan to invest at the start.
- Monthly SIP: Add the amount you will invest each month.
- Step-up Percentage: Choose how much you want your SIP to increase periodically (for example, 10% every year).
- Inflation (optional): Enter an expected rate to see real, inflation-adjusted returns.
Once all fields are filled, click “Calculate Returns” to view your investment summary.
2. Understanding the Results
After calculation, you’ll see a detailed analysis on the right side.
- Total Invested: The total amount you put in over the years.
- Estimated Gain: The expected profit your investments may earn.
- Maturity Value: The total portfolio value at the end of the investment period.
- XIRR/CAGR: The annualized return that accounts for both SIP and lumpsum timing.
- Real Value: The inflation-adjusted value of your investment (if inflation is entered).
3. Extra Features
- Comparison: Toggle to compare Step-Up SIP with a regular SIP.
- Charts: Visualize your growth and investment breakdown clearly.
- Download or Print: Save a CSV report or print a professional summary.
- Dark/Light Mode: Switch between themes easily; your preference will be remembered.
- Reset: Start fresh anytime by clearing all fields.
FAQs – Step-Up SIP & Lumpsum Investment
What is a Step-Up SIP?
A Step-Up SIP automatically increases your monthly SIP contribution every year, helping you invest more as your income grows.
How does adding a Lumpsum help?
Adding a Lumpsum at the beginning boosts your total returns because the invested amount starts compounding from day one.
Can I use this calculator for mutual fund SIPs?
Yes. The Step-Up SIP Calculator works for mutual funds, recurring investments, or any SIP-style investment plan.
What is a good step-up percentage to use?
A 5–10% annual step-up is generally considered balanced. It aligns with salary growth while keeping your budget manageable.
Does this tool show inflation-adjusted results?
Yes. You can include an inflation rate to view real returns and make more accurate financial plans.
Disclaimer: This calculator is for educational purposes only. Actual returns may vary based on market performance. Please consult your financial advisor before investing.
Great tool, I find this website very helpful in my financial journey.