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20-year SIP horizon, pre-filled
This page opens the SIP Calculator with the investment period already set to 20 years, so you can go straight to entering your monthly amount and expected return.
Same annuity-due formula as the full calculator
At the calculator's own default ₹10,000/month and 12% return, a 20-year SIP projects to about ₹99.91 L from ₹24 L invested. Change the monthly amount above for your own numbers.
Want a different time horizon?
The years field stays fully editable — set it to any period, or switch to Step-Up SIP or Lumpsum mode using the same controls as the main SIP Calculator.
SIP Calculator Pre-Filled to 20 Years
This is the SIP Calculator with the investment period field already set to 20 years, so you can jump straight to entering your monthly amount and expected annual return. At the calculator's own defaults of ₹10,000/month and 12%, it projects to about ₹99.91 L.
Step-Up and Lumpsum Modes Still Available
Everything the full SIP Calculator offers is available here too: switch to Step-Up SIP to model annual increases across your 20-year horizon, or to Lumpsum mode for a one-time investment instead. The inflation-adjustment toggle converts your nominal maturity value into today's rupees using the same calculation as the main tool.
Editing Away From 20 Years
The 20-year starting point is only a pre-fill — every field, including the tenure itself, stays fully editable. Use this page as a quick-start for a common SIP horizon, or adjust it to project any investment period.
Tool family
Base tool: SIP Calculator
Frequently asked questions
What does a SIP over 20 years grow to?
At the calculator's default ₹10,000/month and 12% expected return, a 20-year SIP projects to roughly ₹99.91 L, from ₹24 L invested. Both the monthly amount and rate are fully editable.
Can I change the 20-year period?
Yes — the investment period is pre-filled to 20 years but stays fully editable, along with every other input.
What is a step-up SIP?
A step-up SIP increases your monthly investment by a fixed percentage every year, typically matching a salary increment — useful for stretching a 20-year plan further.
Does this use the same formula as the main SIP Calculator?
Yes — the identical annuity-due formula, FV = P × [((1+i)^n − 1) ÷ i] × (1+i), just with the tenure pre-filled.
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