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MF CalculatorsStep Up SIP Calculator

Step Up SIP Calculator

Calculate your returns with Dhan's annual increment in SIP amount.

Total Investment Amount

₹ 500
₹ 10,00,000

Annual Step Up (%)


Expected Return Rate (p.a)


Time Period (in years)

1 Yr
30 Yrs

Total Investment


Estimated Profits


Maturity Value


Compound your wealth with SIP in Mutual Funds

For many of us, building wealth for the future is a top priority. That is where Systematic Investment Plan (SIP) comes in. SIP presents an organized investing approach that allows your money to grow over time.

However, what if there was a way to boost this process even further? This is possible with Step Up SIP. In this, you need to increase the SIP amount every year. For this, a Step Up SIP Calculator is very useful.

What is the Step Up SIP Calculator?

A Step Up SIP Calculator is a tool that helps you estimate the returns on your Step Up Systematic Investment Plan.

The term “Step Up” refers to a strategy of increasing your SIP payments after particular periods by introducing an automatic function. Another name for this technique is Top-up SIP. For instance, if you invest 5000 in 2024, you may choose to invest 5000+15% in 2025 and so forth.

The Step Up SIP Calculator calculates the future value of your SIP investments when you increase your SIP by some certain percentage on a regular basis. Using it you can know how much money will accrue if you start investing today.

Example of Step Up SIP Calculator

Let us imagine that an investor begins a Step-Up SIP, and in the beginning, they contribute Rs 100 per month. He decided to slightly raise his monthly payments each year by 10%. His portfolio is expected to have a return of 8% during the year. The investment horizon is 10 years.
Using a Step-Up SIP Calculator, we can calculate the future value of their investments:

  • Initial Monthly Contribution: Rs 100
  • Annual Increase Rate: 10%
  • Expected Annual Rate of Return: 8%
  • Investment Horizon: 10 years

The Step-Up SIP Calculator will compute the future value of the investment considering the increasing contributions over time and the expected rate of return. It will provide a projection of the total investment value after 10 years, allowing the investor to understand the potential growth of their investments with the step-up feature.

Step-by-Step Guide to Using the Step Up SIP Calculator

Using the Dhan Step-Up SIP Calculator is straightforward and user-friendly. Here is a step-by-step guide that will help you navigate through the process:

  • Access the Calculator: Visit Dhan platform to use a Step Up SIP calculator.
  • Enter Initial Investment: Input the initial investment amount you plan to make in your SIP. This could be the amount you're ready to invest right now.
  • Enter SIP Duration: Specify the duration for which you plan to continue your SIP investments. This could be the number of years you aim to invest regularly.
  • Input Rate of Return: Enter the expected rate of return on your investments. This should ideally be based on historical data or projections for the type of investments you're considering.
  • Set Step-Up Percentage: Determine the percentage by which you want to increase your SIP contributions each time. This could be a fixed percentage or based on your financial goals.

After you've filled out all of the fields, click the 'Calculate Now' button to see the results. The end result contains an expected profit, an estimated return, a growth table, and a growth chart.

Benefits of Using the Step Up SIP Calculator

Using the Step Up SIP Calculator offers several advantages for investors:

  • Goal Clarity:
    With the Step-Up SIP Calculator, you can gain clarity on your financial goals by seeing a clear projection of how your investments can grow over time with incremental increases in contributions.
  • Customization:
    Tailor your investment strategy by adjusting parameters like the initial investment amount, contribution frequency, rate of return, and increment percentage for each step-up. This customization aligns your investment plan with your specific financial objectives and risk tolerance.
  • Scenario Analysis:
    Compare different investment scenarios to see their impact. By inputting various parameters, you can evaluate how different contribution levels and durations affect the future value of your investments, helping you make well-informed decisions.
  • Long-Term Planning:
    The Step-Up SIP Calculator encourages long-term planning by demonstrating the power of compounding and consistent, increasing contributions over time. It motivates you to stay committed to your investment strategy and maintain financial discipline.
  • Risk Management:
    Assess and manage investment risks better by visualizing potential growth under different scenarios. Evaluate trade-offs between risk and potential returns to make informed decisions aligned with your financial goals while mitigating risk.


Using the Dhan Step-Up SIP Calculator can be a smart move for your financial future. By allowing you to see how increasing your investment over time can grow your wealth, it empowers you to make informed decisions. With its help, you can set realistic goals and take steps towards achieving them. So, whether you're planning for retirement or saving for a dream vacation, the Dhan Step-Up SIP Calculator can be your trusted ally on the path to financial success.

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