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SIP Topup
Calculator
Calculator
| Total Future Value without Step-up |
| Total Future Value with Step-up |
Total SIP amount without Step-up
Growth Value without Step-up
Total Future Value
Total SIP amount with Step-up
Growth value with Step-up
Total Future Value
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Achieve your Financial Goals with Mutual Fund Investments
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Disclaimer: The calculator alone is not sufficient and shouldn't be used for the development or implementation of an investment strategy. This tool is created to explain basic financial / investment related concepts to investors. The tool is created for helping the investor take an informed investment decision and is not an investment process in itself. Bajaj Finserv AMC has tied up with AdvisorKhoj for integrating the calculator to the website. Mutual Fund does not provide guaranteed returns. Also, there is no assurance about the accuracy of the calculator. Past performance may or may not be sustained in future, and the same may not provide a basis for comparison with other investments. Investors are advised to seek professional advice from financial, tax and legal advisor before investing in mutual funds.
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What is an SIP top-up calculator?
An SIP top-up calculator is a dynamic tool that allows investors to explore the potential impact of increasing their SIP investments over time. By considering factors like additional contributions and compounding returns, a SIP step-up calculator allows you to explore the impact of systematically increasing your SIP investments over time. A top-up SIP mutual fund calculator provides a nuanced understanding of how small adjustments can lead to substantial gains.
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How does the top-up SIP calculator work?
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Here's how it works:
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First, input your initial investment amount and SIP details like tenure and expected return rate.
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Then, specify how much and how often you want to increase your SIP.
The SIP top-up calculator then computes the potential returns based on your inputs. It demonstrates how regular top-ups can increase your savings and accelerate wealth accumulation.
Let’s understand this with the help of an example.
Imagine you begin an SIP to save for a house. You opt for a monthly investment of Rs. 20,000 over 10 years in a mutual fund scheme with an expected annual return of 11% p.a. This strategy could help you accumulate approximately Rs. 43 lakhs with an investment of about Rs. 24 lakhs.
Alternatively, by increasing your monthly investment by 10% each year, you could potentially build a corpus of around Rs. 64 lakhs with an investment totaling approximately Rs. 38 lakhs over the same period.
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How to use Bajaj Finserv AMC SIP top-up calculator?
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Using our Top-Up SIP Calculator is simple:
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Step 1: Enter your current SIP details: Monthly SIP amount and duration.
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Step 2: Specify the additional amount you want to increase annually (top-up amount).
The calculator will generate projections, illustrating how these incremental contributions can amplify your returns over the investment horizon.
Benefits of SIP top-up
Systematic Investment Plans (SIPs) are known for their ability to encourage disciplined and steady investment habits among individuals. By enabling regular contributions, SIPs promote consistency and commitment towards long-term financial goals. Moreover, they leverage the concept of rupee cost averaging, allowing investors to benefit from market fluctuations over time. Coupled with the power of compounding, SIPs offer a suitable strategy for building wealth systematically. Here’s how SIP top-ups further enhance these advantages.
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Disciplined investing: SIP instils financial discipline, encouraging regular contributions.
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Rupee cost averaging: Invest consistently regardless of market fluctuations, leveraging the concept of rupee cost averaging.
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Compounding benefits: Make optimal use of the power of compounding to potentially grow your wealth over time.
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Advantages of an SIP Top-Up calculator
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SIP top-up calculator helps investors visualize the impact of gradually increasing their investment contributions over time. Mentioned below are some of the advantages offered by Bajaj Finserv AMC SIP top-up calculator:
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Strategic planning: Plan your future investments strategically, considering potential top-ups.
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Visualize growth: Get a clear visual representation of how incremental contributions can impact your portfolio.
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Goal alignment: Align your investment strategy with specific financial goals, adapting as your needs evolve.
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Frequently Asked Questions
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Yes, you can. You can increase your existing SIP calculator contributions gradually over time to accelerate wealth growth according to your financial goals.
Yes, most SIPs offer flexibility, allowing investors to modify the investment amount or tenure based on their financial circumstances and evolving goals.
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