Tools and Calculators

Calculate SIP Top Up

SIP Top Up Calculator

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What is SIP Top-up?

SIP Top up is a SIP facility wherein you can increase your SIP instalments at regular intervals e.g. half yearly, annual etc. You can specify the SIP increment in Rupees or percentage. Let us assume that you have a monthly SIP of Rs 10,000 in a mutual fund scheme. If you opt for Rs 1,000 SIP top-up on an annual basis, your monthly SIP instalments will be Rs 11,000 after one year and Rs 12,000 in the following year and so on.

How Mirae Asset SIP Top-up Calculator works?

Mirae Asset’s SIP top up calculator can tell you the returns of SIP of a certain amount and a yearly top-up specified by you.

How to Use the Mirae Asset SIP Top-up Calculator?

  1. Enter the Mirae Asset Mutual Fund scheme name in the SIP with top up calculator in which you wish to start your SIP.
  2. Enter amount – Enter the SIP instalment amount with which you wish to start (before top-up) in the top up SIP return calculator.
  3. Select frequency – Choose one out of the 4 frequencies offered on the SIP top up calculator - fortnightly, monthly, quarterly, half-yearly depending on you.
  4. Enter start date – date on which you wish to start your SIP
  5. Enter end date – date on which you wish to end your SIP or redeem the units of your scheme
  6. Press Calculate
  7. Once you press calculate, the Mirae Asset mutual fund SIP top-up Calculator will show you the investment cost, investment value (as on the end date, or any date entered by you), growth amount and the enhanced growth percentage (%) due to the SIP top up of your investment.

Benefits of using the Mirae Asset SIP Top-up Calculator

  • You can use Mutual Fund SIP Top-up Calculator to try different top-up amounts and see the results. Your top-up amount will depend on income and savings growth over time, but Mirae Asset's SIP Top-up Calculator can give you a sense of the returns you can potentially get from SIP Top-ups.
  • SIP with top up calculator shows you that you do not need a large SIP amount to start with as you can keep topping up the SIP at annual frequency.


Answer: - You can select schemes of Mirae Asset MF from the drop down menu. You should select one based on your risk appetite and investment needs. If you want to invest directly with Mirae Asset MF, select Direct Plan or select Regular Plan.

Answer: - You should enter in SIP top up calculator the amount you wish to invest on a regular basis (fortnightly, monthly, quarterly etc). If your bank account has insufficient balance on the SIP date, it will not go through and after three consecutive instalments, it will get cancelled.

Answer: - You can select fortnightly, monthly, quarterly, depending on your financial situation and investment plan. If you are investing in SIP from your regular monthly savings, select monthly. Some investors may want to split their monthly investments into fortnightly investments so that they can invest at different NAVs during a month and try to get further benefit of Rupee Cost Averaging.

If you are existing SIP investor in any of the Mirae Asset mutual fund schemes, enter the date on which you are doing the SIP.

Answer: - It will depend on your financial situation, income and savings growth. For example, if your SIP amount is Rs 10,000 and you expect a 10% salary increment next year, then you consider a SIP Top-up of Rs 1,000 every year.

Alternatively, if you are an existing Mirae Asset SIP investor but have not opted for SIP top up, then by entering an assumed top up amount in the SIP top up calculator, you can find out how much additional growth you would have made had you opted for a top up.

Disclaimer : The calculators are based on assumed rate of returns and meant for illustration purposes only. Some of the features may or may not be currently available for investments in our funds and facilities. The calculators are designed to assist you to get a better understanding on how returns would have panned out in various scenarios. This calculator alone is not sufficient and shouldn’t be used for the development or implementation of any investment strategy. In the preparation of the calculator, Mirae Asset Mutual Fund (MAMF) has tied up with Advisorkhoj who have developed and integrated the calculator with our website. The calculator uses information that is publicly available and information developed in-house. Information gathered and material used in this calculator is believed to be from reliable sources. MAMF however does not warrant the accuracy, reasonableness and/or completeness of any such information. The examples do not purport to represent the performance of any security or investments. It is neither an investment advice nor should it be construed as indicative of any of the schemes of Mirae Asset Mutual Fund. Invest as per your risk appetite and time horizon. In view of individual nature of tax consequences, each investor is advised to consult his/ her own professional tax advisor before taking any investment decision. Contact your financial advisor for detailed insight into the investment advice. Mirae Asset Investment Managers (India) Private Limited (“Mirae AMC”) shall have no responsibility/liability whatsoever for the accuracy or any use or reliance thereof of such information. The AMC, its associate or sponsors or group companies, its Directors or employees accepts no liability for any loss or damage of any kind.

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