SIP Goal Planner
Plan your investments with annual step-up to reach goals faster.
I want to
Goal Details
₹
years
% p.a.
%
Advanced
₹
%
Results
Required SIP (with 10% step-up)
₹11,631/mo
Starting amount, increases each year
Without Step-Up you'd need
₹20,017/mo
Step-up saves ₹8,386/mo initially
Final Corpus
₹99,99,946
After 15 years
Total Invested
₹44,34,444
Your contribution
Total Returns
₹55,65,503
126% gains
Impact of 10% Annual Step-Up
Extra corpus from step-up+₹6
Extra investment required₹8,31,440
Without step-up corpus₹99,99,941
Real value (inflation-adjusted)₹41,72,628
Goal Milestones
25%
Year 8
50%
Year 12
75%
Year 14
Tip: A step-up SIP mirrors salary growth. Starting smaller makes it affordable now, while increasing investments as income grows.
What is SIP?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds. Instead of timing the market, SIPs help you build wealth through disciplined investing and rupee cost averaging.
Step-Up SIP: Increase your SIP amount annually (typically 5-10%) to align with salary increments and accelerate wealth creation.
Why SIP Works
- ✓Rupee Cost Averaging: Buy more units when prices are low, fewer when high
- ✓Power of Compounding: Reinvested returns generate their own returns
- ✓Disciplined Investing: Automate savings before you spend
- ✓Flexibility: Start with as little as ₹500/month
- ✓No Market Timing: Invest regardless of market conditions
The Step-Up Advantage
Increasing your SIP by just 10% annually can dramatically boost your final corpus. For example, a ₹10,000/month SIP for 20 years at 12% returns:
Without Step-Up
₹99.9 L
Total corpus
With 10% Step-Up
₹2.3 Cr
2.3x more wealth!
💡 SIP Success Tips
- 1.Start Early: Time in the market beats timing the market
- 2.Stay Invested: Don't stop SIPs during market crashes - that's when you buy cheap
- 3.Diversify: Invest across large-cap, mid-cap, and index funds
- 4.Review Annually: Check fund performance but avoid frequent switching
- 5.Increase with Income: Step up SIP amount as your salary grows