SIP Calculator 2026

For mutual funds

Quarterly Investment

₹

Quick Presets:

₹1,500₹15.0 L

Interest Rate (%)

1%30%

Time Period (Years)

Yrs

1 Yr35 Yrs

Investment Summary

Invested Amount

₹1.08 L

Est. Returns

₹23,560

Total Value

₹1.32 L

one lakh thirty one thousand five hundred and sixty rupees only

Years	Total Investment	Est. Returns	Total Value
1 year	₹36,000	₹2,782	₹38,782
2 years	₹72,000	₹10,432	₹82,432
3 years	₹1,08,000	₹23,560	₹1,31,560
5 years	₹1,80,000	₹69,088	₹2,49,088
10 years	₹3,60,000	₹3,38,970	₹6,98,970
15 years	₹5,40,000	₹9,71,505	₹15,11,505
20 years	₹7,20,000	₹22,59,035	₹29,79,035
25 years	₹9,00,000	₹47,29,557	₹56,29,557
30 years	₹10,80,000	₹93,36,695	₹1,04,16,695

About SIP Calculator

A Systematic Investment Plan (SIP) calculator helps you estimate the future value of your regular investments. It takes into account the power of compounding and helps you plan your long-term financial goals.

SIP Frequency Comparison

Daily SIP

Advantages

•Maximum power of compounding
•Smaller amounts, easier on daily budget
•More investment opportunities to average out market volatility
•Better for short-term goals

Limitations

•More transaction costs if not automated
•Requires strict daily discipline
•May be overwhelming to track
•Some platforms may not support daily SIPs

Weekly SIP

Advantages

•Good balance of compounding benefits
•Better market averaging than monthly
•Aligns well with weekly income
•More flexible than daily commitment

Limitations

•Requires more active management than monthly
•Weekly commitment might be challenging
•Higher transaction costs than monthly

Monthly SIP

Advantages

•Most common and widely supported
•Aligns with monthly salary cycles
•Easy to maintain and track
•Good balance of compounding and convenience

Limitations

•Less frequent market averaging compared to weekly/daily
•Might miss some market opportunities
•Monthly lump sum might be harder to spare

Quarterly SIP

Advantages

•Lower transaction costs
•Good for long-term investors
•Easier to manage larger sums
•Less frequent monitoring needed

Limitations

•Miss out on short-term market opportunities
•Less benefit from rupee cost averaging
•Larger amounts needed per investment

Yearly SIP

Advantages

•Lowest transaction costs
•Good for annual bonus investments
•Minimal monitoring required
•Suitable for very long-term goals

Limitations

•Minimal benefit from rupee cost averaging
•Miss out on compounding benefits
•Requires larger lump sum amounts
•Higher risk of timing the market wrong

How it Works

The SIP calculator uses the following parameters:

Investment Amount: The amount you invest quarterly
Expected Return Rate: Annual expected return rate on your investment
Time Period: Investment duration in years

SIP Formula

FV = P × ((1 + r)^n - 1) × (1 + r)/r

Where:
FV = Future Value
P = Investment Amount
r = Interest Rate per payment period
n = Total Number of Payments

Benefits of SIP

Disciplined investing through regular contributions
Benefit from rupee cost averaging
Power of compounding over long-term
Lower risk through systematic investing
Flexibility to start with small amounts

References

Quarterly SIP FAQs

How does a Quarterly SIP work?

A Quarterly SIP invests a fixed amount once every three months — four instalments a year. It suits bonus-linked, rental or business income that arrives in lumps rather than monthly.

Is a Quarterly SIP worse than a Monthly SIP for the same annual amount?

Marginally, on two counts: money sits idle in your bank between instalments instead of compounding, and you average across only 4 NAVs a year rather than 12. Over 15 years at 12%, investing ₹36,000 quarterly ends slightly below ₹12,000 monthly.

Who should choose a Quarterly SIP?

Freelancers and business owners billing quarterly, and anyone whose income is seasonal. It is also a sensible way to deploy a quarterly bonus or dividend without letting it sit in a savings account.

What is the minimum amount for a Quarterly SIP?

Most AMCs set the quarterly minimum at Rs 500 to Rs 1,500 per instalment, with at least four instalments, which is a full year. Because the amount hits in one go, the bank balance needs to be ready on the chosen date. The quarterly option is common in debt and hybrid schemes and in plans meant for people with lumpy income such as consultants and farmers.

What happens if my Quarterly SIP date falls on a holiday?

The debit and purchase move to the next working day at that day's NAV. With only four instalments a year, a single shifted date has a slightly larger effect on your average cost than it would in a monthly SIP, but it still washes out over a long horizon. A failed debit matters more here too — missing one quarterly instalment is the same as missing three monthly ones.

How does a Quarterly SIP make capital gains reporting easier?

It creates four purchase lots a year instead of twelve. On redemption, units are sold on a first-in-first-out basis and each lot has its own holding period and cost, so fewer lots means a much shorter Schedule 112A or Schedule CG to fill. Over ten years a quarterly SIP leaves 40 lots against 120 for monthly. The AMC's capital gains statement does the arithmetic either way, but reconciling it is simpler.

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