SIP Calculator

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What is SIP Investment?

The Full Form of SIP is Systematic Investment Plan

SIPs are one of the most popular ways of investing in Mutual Funds. With SIPs, you can invest in preferred installments (daily, weekly, monthly, or quarterly). Each SIP installment can start as minimal as ₹10. You can use the justrade2.0 app to easily set up SIP investments in Mutual Funds, Indian Stocks, and even US Stocks.

What is SIP Calculator?

A SIP calculator is a tool that help you to calculate the potential returns on your SIP investments. Just input some basic details, to get an estimate of how much your investment can grow over time. With the SIP calculator, you can determine the regular investment needed to achieve your financial goal.

The SIP calculator provides insights into the total invested amount, the anticipated future value of your investment, and the overall gains.

Advantages of using SIP Calculator

The SIP calculator provides various benefits:

  • Easy Financial Planning: Helps you plan investments by specifying the amount, tenure, and expected returns.
  • Goal Achievement: Plan and reach financial goals by calculating the needed monthly investment for specific targets.
  • Quick and Efficient: Provide quick and accurate results, saving time compared to manual calculation.
  • Flexibility: You can adjust various parameters such as investment amount, duration, and expected returns to explore different scenarios and customize your investment plan accordingly.
  • Risk Assessment: The calculator helps you understand the risks in your investments, so you can make choices that match your comfort level and financial goals.

How does the SIP Calculator work?

The SIP (Systematic Investment Plan) calculator uses a mathematical formula to estimate the future value of your investment based on certain inputs. The formula is as follows:

Future Value = SIP Amount × ({[1 + i]^N – 1} / i) × (1 + i)


N = Total number of SIP installments

i = Expected rate of return per period

Let's understand how the SIP calculator formula works by using a real-world example.

SIP Amount: ₹5000

SIP Frequency: Monthly

Expected Return (Per Year): 12%

Investment Duration: 20 Years

In this example:

  • Total number of Monthly SIP instalments (N): 20 years * 12 months = 240 months
  • Monthly interest rate (i) = 12%/12 = 0.01 or 1%

Future Value = 5000 *({[1+0.01]^240-1}/0.01)

Future Value = 5000 *({[1.01]^240  -1 }/0.01)

  • Total investments over 20 years is  ₹12,00,000
  • The estimated future value of your investment is ₹37,95,740
  • This means a total gain of  ₹49,95,740

How to use Swastika Systematic Investment Plan Calculator?

To use Swastika SIP Calculator, just enter your inputs:

Monthly investment: Simply enter how much you want to invest each month.

Investment Period: Select the number of years you plan to invest for.

Estimated returns: Estimate the percentage of profit you believe you might make each year.

Once you input the value, the calculator will show you the estimated amount available after your investment period is complete.


What is SIP Calculator?
How much can I invest in a SIP?
Can I modify my SIP amount?
What if I miss my SIP dates or don’t have sufficient money in my bank account?