Calculator
SIP Top-Up Calculator
Plan your SIP with annual top-ups to accelerate wealth creation. Increase your monthly investment each year to maximize returns.
Top-Up Strategy
Increase your SIP amount annually to keep pace with income growth.
Compound Growth
Higher contributions in later years benefit from longer compounding periods.
Flexibility
Adjust top-up amounts based on your financial situation and goals.
Inputs
Plan your SIP with top-ups
Increase your SIP amount annually to accelerate wealth creation.
Goal for this SIP
Long-term growth through equity-oriented mutual funds.
Initial monthly investment
Starting SIP amount you plan to invest every month.
Annual top-up amount
Additional amount to increase your monthly SIP each year.
Expected annual return (%)
Average annualised return you expect from the SIP.
Tenure (years)
Investment duration for the SIP plan.
Outcomes
Projected corpus for your Wealth Creation SIP
With annual top-ups, your SIP grows from ₹15,000 to ₹43,000 per month.
Total Invested
₹52,20,000
Expected Corpus
₹1,24,95,681
Wealth Gain
₹72,75,681
Final Monthly SIP
₹43,000
Starting from ₹15,000 with ₹2,000 annual increase
Top-Up vs Regular SIP
With a regular SIP of ₹15,000 (no top-ups), your expected corpus would be ₹75,68,640. By using a top-up SIP, you could build approximately ₹49,27,041 additional wealth over the same period.
Next step
Not sure which mutual funds or term plan to choose for this SIP? Our experts can help you match this plan with suitable schemes and protection cover.
What is an SIP with Top-Up Facility?
A Systematic Investment Plan (SIP) with Top-Up Facility is an advanced investment strategy that allows you to automatically increase your monthly SIP contribution by a fixed amount or percentage each year. Unlike a regular SIP where you invest the same amount every month, a top-up SIP enables you to gradually increase your investment as your income grows.
This facility helps you align your investments with your increasing earning capacity, ensuring that your wealth creation keeps pace with your financial growth. The top-up can be set as a fixed rupee amount (e.g., ₹2,000 per year) or as a percentage of your initial investment, and it typically happens annually on the anniversary of your SIP.
Why should you do SIP Top-Up?
Income Growth Alignment
As your salary and income increase over time, your SIP top-up ensures your investments grow proportionally, maximizing your wealth creation potential.
Enhanced Compounding
By increasing your investment amount each year, you benefit from compound interest on larger contributions, accelerating your corpus growth significantly.
Goal Achievement
Top-up SIPs help you reach your financial goals faster, whether it's retirement planning, children's education, or buying a home.
Inflation Protection
Regular top-ups help your investments keep pace with inflation, ensuring your purchasing power is maintained over the long term.
Disciplined Investing
Automatic top-ups enforce financial discipline by committing you to invest more as you earn more, preventing lifestyle inflation from eating into your savings.
Flexibility
Most top-up facilities allow you to pause, modify, or stop the top-up anytime, giving you control over your investment strategy.
Advantages of Using Step-Up SIP Calculator
Accurate Projections
Our SIP Top-Up Calculator provides precise estimates of your future corpus by accounting for annual increases in your investment amount, helping you plan your financial goals with confidence.
Scenario Planning
Test different top-up amounts and investment periods to find the optimal strategy that balances your current financial capacity with your long-term wealth objectives.
Visual Progress Tracking
See how your investment grows year by year, with clear visibility into your monthly SIP amount progression and accumulated corpus at each milestone.
Informed Decision Making
Compare the impact of different top-up strategies on your final corpus, enabling you to make informed decisions about your investment plan and adjust it based on your financial situation.
Frequently Asked Questions
SIP top-up allows you to automatically increase your monthly SIP investment by a fixed amount each year. For example, if you start with ₹15,000 per month and set a top-up of ₹2,000, your SIP will become ₹17,000 in the second year, ₹19,000 in the third year, and so on.
The top-up typically occurs on the anniversary of your SIP start date. Most mutual fund houses allow you to set up automatic top-ups that increase your investment amount annually without manual intervention.
Yes, most SIP top-up facilities offer flexibility. You can modify the top-up amount, pause it temporarily, or stop it completely based on your financial situation. However, it's advisable to maintain consistency for optimal wealth creation.
The minimum top-up amount varies by mutual fund house, but it's typically ₹500 or ₹1,000 per year. Check with your fund house or financial expert for specific requirements.
Top-up SIP is generally more effective for long-term wealth creation as it aligns your investments with income growth and benefits from enhanced compounding. However, the choice depends on your financial capacity and goals. Regular SIP is suitable if you prefer fixed monthly investments.
A common approach is to top up by 10-15% of your initial SIP amount annually, or by a fixed amount that matches your income growth. Use our calculator to see how different top-up amounts impact your final corpus and choose what works best for your financial situation.
Most mutual fund houses don't charge additional fees for SIP top-up facilities. However, standard SIP charges and expense ratios will apply. It's best to check with your fund house for specific fee structures.
Typically, top-ups happen annually on the SIP anniversary. However, some fund houses may allow multiple top-ups or manual increases. Check with your fund house for their specific top-up policies and options.
How HRP Wealth helps you implement your SIP Top-Up plan
1. Understand your goals
We start with a short conversation to understand your goals, time horizon, family responsibilities, and existing investments.
2. Risk & suitability assessment
We assess your risk profile and recommend a suitable mix of equity, hybrid, and debt mutual funds along with term and health cover where required.
3. SIP & top-up setup
We help you set up SIPs and top-ups through our partnered platforms so that your investments run automatically every month.
4. Ongoing review
We periodically review your portfolio, top-ups, and goals, suggesting rebalancing or step-up changes as your income and life-stage evolve.
Summary
A SIP with Top-Up Facility is a powerful wealth creation tool that combines the discipline of systematic investing with the flexibility to increase your investments as your income grows. By automatically increasing your monthly SIP contribution each year, you can significantly enhance your corpus through the power of compounding and better align your investments with your financial growth trajectory.
Whether you're planning for retirement, your children's education, or any other long-term financial goal, a top-up SIP can help you achieve your objectives faster and more efficiently. Use our SIP Top-Up Calculator to explore different scenarios, understand the impact of various top-up amounts, and create an investment strategy that works best for your unique financial situation.
Remember, while top-up SIPs offer significant advantages, it's essential to ensure that the increased investment amount fits comfortably within your budget. Start with what you can afford and gradually increase your top-up as your financial capacity grows. Consistency and discipline are key to successful long-term wealth creation.
