Step-Up SIP Calculator
Salary har saal badhti hai, par SIP wahi purani chalti rehti hai. Step-Up SIP ka matlab hai — har saal apni kist thodi badha dena. Ye calculator dikhata hai ki sirf 10% saalana badhotri se aakhir me kitna zyada paisa banta hai.
Calculator
Kaise banta hai
Aam SIP me kist saalon tak wahi rehti hai. Step-up SIP me har 12 mahine baad kist ek tay percent se badh jaati hai. Har mahine ka paisa apne baaki bache samay tak return kamata hai, aur agle saal badi kist us par jud jaati hai. Nateeja ye ki nivesh thoda-thoda badhta hai par corpus kaafi tezi se.
Har mahine: value = (purani value + kist) × (1 + mahine ka return)
Teen asli misaal — number ke saath
Misaal 1 — 20% step-up. ₹4,000 se shuruaat, har saal 20% badhotri, 13% return, 6 saal. Nivesh ₹4,76,636 aur value lagbhag ₹6,76,439.
Misaal 2 — aam SIP se tulna. ₹5,000 mahina, 12% return, 15 saal — corpus lagbhag ₹25.2 lakh. Wahi SIP har saal 10% badhaate rahein to lagbhag ₹42.5 lakh. Yaani kareeb ₹17 lakh ka farak.
Misaal 3 — chhoti shuruaat. ₹2,000 se shuru, 10% saalana step-up, 12% return, 20 saal. Corpus lagbhag ₹32 lakh — jabki bina step-up ke ye kareeb ₹20 lakh hi rehta.
Log yahan galti kya karte hain
- Itna badhana ki nibh na sake. 25-30% saalana step-up kaagaz par sundar lagta hai, par do saal baad kist bhaari padne lagti hai. Salary ki badhotri se thoda kam rakhein.
- Step-up ko apne aap hone wala maan lena. Kai jagah ye khud nahi badhta — ya to fund me top-up feature chalu karna padta hai, ya har saal khud badhani padti hai. Ek reminder laga lein.
- Beech me band kar dena. Step-up SIP ka poora fayda aakhri saalon me aata hai, jab kist sabse badi hoti hai. 5 saal me band kar dene se asli faayda haath se nikal jaata hai.
- Emergency fund ke bina shuru karna. Pehle 4-6 mahine ka kharcha alag rakhein. Warna zaroorat padne par SIP hi todni padti hai.
- Return zyada maan lena. 15-18% maan kar plan banane se number bade dikhte hain par asli me poore nahi hote. 11-12% par plan banayein.
Bharat me khaas baatein
- Top-up feature: Zyadatar fund house SIP shuru karte waqt hi "annual top-up" ka vikalp dete hain — percent ya fixed rakam me.
- Bank mandate: Auto-debit ki limit thodi oonchi rakhein, warna step-up ke baad mandate fail ho sakta hai.
- Salary hike ke saath: Appraisal ke agle mahine step-up karna sabse aasaan rehta hai — badhi hui salary ki aadat lagne se pehle.
- Tax: Equity fund par 12 mahine baad long-term gain lagta hai. ELSS me 3 saal ka lock-in har kist par alag se lagta hai.
- Anushasan: Step-up ka asli faayda tab hai jab 10 saal se zyada chale.
Ye tools bhi dekh lein
Aksar pooche jaane wale sawaal
Step-up SIP kya hoti hai?
Aisi SIP jisme har saal kist ek tay percent se badh jaati hai — jaise ₹5,000 se shuru karke har saal 10% zyada.
Kitna step-up rakhna theek hai?
5% se 15% ke beech zyadatar logon ke liye theek rehta hai, kyunki salary bhi lagbhag isi rafter se badhti hai.
Kya step-up baad me band kar sakte hain?
Haan, kabhi bhi rok sakte hain. Par jitna lamba chalega, faayda utna hi zyada.
Ye aam SIP se kitna behtar hai?
15-20 saal me aam taur par 50-70% zyada corpus ban jaata hai, wahi return maan kar.
Kya ismein extra charge lagta hai?
Nahi, ye sirf kist ki rakam badhane ka tareeka hai — koi alag fees nahi.