Free calculator
SIP calculator
Systematic Investment Plans (SIP) invest a fixed amount on a regular schedule—often used with mutual funds. Add a starting balance (or 0), your monthly or quarterly installment, an expected annual return you choose, and a horizon in years plus months. We show ending balance, total contributed, and wealth gain with end-of-month timing on the balance path—illustration math for Sheets and Excel, not a quote.
When to use this calculator
A focused SIP / regular savings story with transparent assumptions—fast checks before you build a fuller workbook.
- Estimate future value from a steady installment when you already picked a single long-run return assumption.
- Compare monthly vs quarterly timing on the same headline return (see methodology for how quarters post).
- Copy
FVpatterns into Sheets or Excel after you align rate, N, and payment signs with the cards below.
We keep one growth path on the balance: monthly compounding using the same monthly growth factor family as the compound interest calculator. Installments are post‑growth within each month.
Monthly SIP
Uses the closed‑form future value of a growing annuity path already shipped as compoundInterestProjection: each month applies (1 + r/12) on the balance, then adds the monthly SIP at month‑end.
Quarterly SIP
Same monthly growth steps on the balance; a quarterly installment posts only at the end of months 3, 6, 9, … (after that month’s factor), so partial years still pay on completed quarters inside your month horizon.
What we do not model
Step‑up SIP, daily/weekly schedules, XIRR on irregular flows, loads, taxes, currency rules, NAV cut‑off timing, or live fund data—use a full workbook or official tools when you need those layers.
Past performance does not guarantee future results. For arbitrary compounding picks and charts, use the compound interest calculator. To layer an expense ratio drag on the same contribution story, use the mutual fund calculator. For systematic withdrawals from a corpus, use the SWP calculator.
Google Sheets & Excel
For monthly SIP with end-of-month installments, FV matches this page when Rate is the monthly nominal rate, Nper counts months, Pmt is the monthly SIP (watch cash‑flow sign conventions), Pv is the starting balance, and Type is 0 (payment at end of each period).
=FV(B2/12,C2,-D2,-E2,0)B2 = annual nominal return as a percent (e.g. 12 for 12%); C2 = months; D2 = monthly SIP; E2 = starting balance (present value). Type 0 = end of period. Adjust signs if your locale treats outgoing cash as positive.
In German Excel, ZW replaces FV with ; separators—use Formulas → Insert function for your language pack.
Frequently asked questions
What is a SIP calculator?
It estimates the future value of regular investments (monthly or quarterly) plus an optional starting balance, given an expected annual return you type in. SIP is widely used for mutual fund savings plans in some markets; the math here is a generic periodic savings illustration.
How does quarterly SIP timing work on this page?
We still grow the balance with the same monthly factor as the monthly SIP path. Your quarterly amount is added only at the end of every third month (months 3, 6, 9, …) after that month’s growth—so it is not the same as splitting the quarterly amount into three equal monthly deposits.
How is this different from the compound interest calculator?
The compound interest tool is the general engine with more knobs (charts, compounding choices). This page is a SIP‑shaped shortcut: monthly or quarterly installments, monthly compounding on the balance, and copy geared to systematic savings wording.
When should I use the mutual fund calculator instead?
Use the mutual fund page when you want the same story plus an annual expense ratio field to illustrate ongoing fee drag. This SIP page keeps fees out of v1 so the headline return line stays simple.
Do you support step-up SIP?
Not in v1. Step‑ups change the payment schedule each year; build that scenario in a spreadsheet or treat it as a phase‑2 backlog item if we ship it later. For systematic withdrawals, use the SWP calculator (/tools/swp-calculator/).
Do you model Indian capital gains tax or ELSS lock-in?
No. This is a currency‑agnostic illustration—not LTCG/STCG rules, not ELSS three‑year lock‑ins, and not NAV cut‑off timing. Use local tax tools when those details matter.
How do I match monthly SIP in Google Sheets or Excel?
Use FV with Rate = annual % / 100 / 12, Nper in months, Pmt as your monthly SIP (respecting your sign convention), Pv as starting balance, Type 0. For quarterly SIP, either model month‑by‑month in the sheet or build a quarter cash‑flow column—this page’s engine already uses the month‑step path described in methodology.
Is this investment advice?
No. It is a free educational tool—not a recommendation to start, stop, or change any SIP, and not a substitute for qualified professionals when stakes are high.