# SIP Calculator — ₹10,000/month at 12% for 20 years
Plan your investments with a Systematic Investment Plan (SIP). See total invested amount, estimated returns and maturity value.
Formula used
- Monthly rate r = 12% / 12
- Periods n = 20 × 12
- Future Value = P × [(1 + r)^n − 1] / r × (1 + r)
Good to know
- Increase SIP annually to beat inflation
- Stay invested for at least one full market cycle (5–7 years)
- Use direct plan mutual funds to lower costs
Related calculators
- [Lumpsum Calculator](/calculators/lumpsum-calculator)
- [Step-Up SIP Calculator](/calculators/step-up-sip-calculator)
- [Reverse SIP Calculator](/calculators/reverse-sip-calculator)