Goal-Based SIP + Lumpsum Calculator with Step-Up (2026) – Plan Your Future Corpus Easily

🟦 Introduction

If you have a long-term financial goal—like your child’s education, a dream home, or financial independence—the biggest question always remains the same:

👉 How much should I invest every month to reach that goal?

And that’s where most simple SIP calculators fail.
Because life doesn’t stay constant—your income grows, your savings grow, and ideally your SIP should also grow.

That’s exactly why we built this Goal-Based SIP + Lumpsum Calculator with Step-Up.

Instead of a fixed SIP, this calculator uses:

• current SIP

• future step-ups

• expected returns

• lumpsum now

• compounding frequency

…and gives you a realistic projection of your future corpus.

🟦 👉 Use the Calculator Below

If you’re looking for a modern, feature-rich, and trader-friendly platform, Dhan is easily one of the best choices available today. From zero account opening charges to advanced tools like native TradingView, options strategy builder, and free API access, Dhan is clearly built with the modern Indian trader in mind.

With Dhan you can also invest and trade in IPO’s, NFO’s, SIP, Bonds, ETF, SGB, and many other financial products with so much ease.

Whether you’re an intraday trader, an options strategist, or a long-term investor, Dhan offers the perfect blend of speed, simplicity, and smart technology — without burning a hole in your pocket.

Why wait? Open your Dhan account now and take control of your trading journey with confidence.

👉 Click here to get started with Dhan

🔵 What this calculator uniquely measures

Most SIP calculators only tell you what your SIP would grow to if it remained constant.

This tool calculates:

• projected corpus

• shortfall vs goal

• surplus vs goal

• total invested

• total gain

• required SIP to achieve target

…and it does this while applying annual SIP step-ups every 12 months.

🟦 How step-up SIP actually works

A step-up SIP simply means:

Your SIP increases by a chosen percentage every year.

Example:

This mirrors your income growth and increases your total wealth dramatically.

🟦 Why adding a lumpsum matters

If you have a bonus, FD maturity, inheritance or savings lying unused, a lumpsum can give a huge compounding boost.

Example:

• SIP alone: ₹1.2 Cr

• SIP + 5 lakh lumpsum: ₹1.6 Cr

Just by investing early.

🟦 Calculation Logic

We assume:

• monthly compounding

• SIP invested monthly

• step-up applied once every 12 months

This matches how mutual funds actually compound.

🔵 Formula (behind the calculator)

SIP Future Value

FV SIP = SIP × \((1+r)^n − 1\) / r × (1+r)

Annual Step-Up effect

Every 12 months, SIP becomes:
SIP × (1 + g)^year

Where:

• g = step-up %

• r = monthly return

• n = total months

🟦 Example Calculation

Inputs

📌 Result

• Projected: ₹2.49 Cr

• Shortfall: ₹2.51 Cr

• Total invested: ₹77.19 lakh

• Required SIP: ₹44,210/month

This matches the output of your calculator.

🟦 Who should use this calculator?

• salaried employees

• NRI investors

• parents planning education

• couples planning a home

• FI/RE aspirants

• retirement planning

Basically anyone planning a long-term goal.

🟦 Why step-up SIP beats normal SIP

Studies show step-up SIPs grow 25–40% more corpus than fixed SIPs.

🟦 Pro Tips

✔ Increase SIP every year
✔ Higher step-up = higher wealth
✔ Keep return assumptions realistic (10–12%)
✔ Add lumpsum whenever possible
✔ Invest early

🟦 FAQs

1. What is a step-up SIP?

A SIP that increases automatically every year.

2. Is 12% return realistic?

Long-term equity mutual funds historically returned 10–14%.

3. Should I choose SIP or lumpsum?

Ideally both.
Lumpsum early + SIP discipline = fastest compounding.

4. How much should I invest per month?

Use our “Find Required SIP” button inside the tool.

5. Does this calculator include tax?

No. This is a pre-tax projection.

🟦 Final Thoughts

Planning a long-term financial goal shouldn’t feel confusing. With this Goal-Based SIP + Lumpsum Calculator, you can estimate exactly:

• how much wealth you’ll create

• how much shortfall you have

• how much SIP is required

This makes long-term investing effortless and predictable.

If you’re serious about trading, don’t compromise on tools or speed.

🔥 Open Your Free Dhan Account Today & Start Trading Smarter →

If you’re a trader or want more control over execution, charts, and speed.
Dhan is not just another discount broker — it’s genuinely innovating, especially for the next-gen Indian trader.

If you’re tired of clunky trading platforms and want modern, high-speed trading with transparent fees — Dhan is one of the best stockbrokers in India today.

According to the latest NSE reports  there are about 200+ stock brokers in India, however what makes Dhan a leading and strong contender in the stock broking industry is the tools and resources they have in their trading platform.

Moreover there are no hidden charges and the brokerages are very minimal if we do the industry comparison. They are also backed by cash enriched investors so nothing to fear.

If I have to rate Dhan app after looking at there breakthrough pricing model for brokerages as well as other charges and experiencing there simple yet great user interface for trading platform I would give it 9.6 out of 10.

There’s never been a better time to take control of your financial future and with Dhan, you get the fastest, most reliable, and feature-packed stock broker app in India for 2025.

Whether you’re a beginner eager to start investing or an experienced trader seeking advanced tools and zero brokerage on delivery trades, Dhan has everything you need to succeed.

Don’t settle for less. Join over 2 million + satisfied users who trust Dhan to power their trading journey every day. With zero account opening fees, free access to multiple platforms, and dedicated customer support, the path to smarter trading has never been easier.

🚀 Ready to Elevate Your Trading Game?
Start your journey with Dhan — India’s fastest, most reliable, and user-friendly stock broker app trusted by over 1 million users.

No hidden fees. No complicated processes. Just smart, seamless trading.

Open My Free Dhan Account Now

It takes less than 5 minutes to sign up and start trading.

If, you have liked the content please do share it with your friends or on social media, as sharing do bring the good karma. If you have any questions or feedback you can leave them in comment box below.

🌟 4 Best Brokers for Trading in India – Dhan vs Upstox vs Zerodha vs Fyers

🏆 Best Demat & Trading Account in India – Dhan vs Upstox vs Zerodha vs Groww

Dhan vs Zerodha vs Upstox vs Groww: Best Broker for Options Trading in India

Best App for Options Trading in India | Dhan vs Zerodha, Upstox, Fyers

Commodity Trading in India: A Beginner’s Guide to Earning from Gold, Oil & More

Here is the list of things as a beginner you should know, if you are thinking for doing intraday trading.

A brief understanding of

How share market works?

How To Invest In Indian Stock Market – Explained With Examples For Beginners

The Ultimate Step-by-Step Monster Guide to Trading & Investing in India

Learn about the basics of candlestick chart patterns and how to use them for intraday trading and investing. You should also learn about the best moving averages to use for better trading result.

Checkout Mastering Intraday Trading: A Beginner’s Guide to Profitable Strategies in the Indian Stock Market

Note: Please do your own research and make investment. Moneycontain will not be responsible for any of your losses at all. The point made is for educational purpose only and intended to give information. All investments are subject to risks, which should be considered prior to making any investments.

🟥 Important Disclaimer

This tool is for educational & estimation purposes only. Mutual fund returns are market-linked and cannot be guaranteed. Please invest according to your own risk profile or with the help of a licensed advisor.