What is a Systematic Investment Plan (SIP)?

A Systematic Investment Plan (SIP) allows investors to invest a fixed amount regularly (monthly or quarterly) into mutual funds, enabling rupee cost averaging and long-term compound wealth growth.

Step-Up SIP (or Top-Up SIP) is a feature where you automatically increase your monthly investment amount by a fixed percentage or amount every year, significantly boosting your final maturity corpus.

📈 Investment & Wealth Tool

SIP & Mutual Fund Calculator

Calculate expected maturity wealth from monthly SIP investments and lump sum deposits with optional step-up SIP projections.

Currency:

Investment Parameters

Monthly SIP Amount (₹)

₹500₹50K₹200K

Expected Annual Return (% p.a.)

1%12% (Mutual Funds)30%

Investment Duration (Years)

1 Yr15 Yrs40 Yrs

📈 Annual Step-Up SIP (Increase SIP every year)

Wealth Projection

Total Future Value

₹23,23,391

Expected maturity value after 10 years

Total Invested Amount₹12,00,000

Estimated Wealth Gain+₹11,23,391

Invested (51.6%)Wealth Gain (48.4%)

Year-by-Year Investment Growth Schedule

Year	Total Invested	Wealth Gained	Total Portfolio Value
Year 1	₹1,20,000	+₹8,093	₹1,28,093
Year 2	₹2,40,000	+₹32,432	₹2,72,432
Year 3	₹3,60,000	+₹75,076	₹4,35,076
Year 4	₹4,80,000	+₹1,38,348	₹6,18,348
Year 5	₹6,00,000	+₹2,24,864	₹8,24,864
Year 6	₹7,20,000	+₹3,37,570	₹10,57,570
Year 7	₹8,40,000	+₹4,79,790	₹13,19,790
Year 8	₹9,60,000	+₹6,55,266	₹16,15,266
Year 9	₹10,80,000	+₹8,68,215	₹19,48,215
Year 10	₹12,00,000	+₹11,23,391	₹23,23,391

GreenCode Financial Tools Team✓ Verified

Reviewed by the GreenCode Finance & Engineering Desk

Last Updated: August 2026

Disclaimer: Mutual fund SIP projections are mathematical estimations based on expected growth rates. Market returns fluctuate and past performance is no guarantee of future results.