Visual SIP Tracker

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Here is a simple Excel sheet to keep track of monthly SIPs.  Unlike the automated mutual fund tracker, where the focus is on returns, this sheet helps to visually track the growth of a SIP relative to an expected growth.

The user will have to enter the value of SIP each month to track its evolution.  The inputs required can be seen in the screenshot (click for a better view).

SIP-trackerThe growth of a SIP (green line) is shown against the expected value (red line) for a 10% return and the total investment (blue line).

The sheet can be used by investors new to mutual funds to understand and get used to volatility.

At any point of time, the graph tells us how far ahead or behind the fund is with respect to our expectation. Even though such a graph can be auto-generated with  the automated mutual fund tracker I think it can be an enjoyable experience to manually track the SIP by entering  the fund value once a month.

If the entire equity and debt portfolios can be plotted in a similar fashion, it would aid rebalancing and analysing progress. The present sheet is the first step in that direction.

Download the visual SIP tracker

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About the Author M Pattabiraman author of freefincal.comM. Pattabiraman(PhD) is the author and owner of freefincal.com.  He is an associate professor at the Indian Institute of Technology, Madras since Aug 2006. Pattu” as he is popularly known, has co-authored two print-books, You can be rich too with goal based investing (CNBC TV18) and Gamechanger and seven other free e-books on various topics of money management.  He is a patron and co-founder of “Fee-only India” an organisation to promote unbiased, commission-free investment advice. Pattu publishes unbiased, promotion-free research, analysis and holistic money management advice. Freefincal serves more than one million readers a year (2.5 million page views) with numbers based analysis on topical issues and has more than a 100 free calculators on different aspects of insurance and investment analysis. He conducts free money management sessions for corporates  and associations(see details below). Previous engagements include World Bank, RBI, BHEL, Asian Paints, TamilNadu Investors Association etc. Contact information: freefincal {at} Gmail {dot} com (sponsored posts or paid collaborations will not be entertained)
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23 Comments

  1. Sir, how to add actual values for past SIPs? Also, could there be a similar sheet for irregular SIPs? I mean the ones which arent on the same dates every month? An option to add NAVs too will be helpful to get actual value.

    1. Navneet, in this sheet you will have to enter them manually. If there are too many installments, then use the automated mf tracker. Such graphs can be auto-generated. I did not put in the NAVs on purpose. You can simply enter the value once a month on any day. It should not matter much in the long run.

  2. Sir, how to add actual values for past SIPs? Also, could there be a similar sheet for irregular SIPs? I mean the ones which arent on the same dates every month? An option to add NAVs too will be helpful to get actual value.

    1. Navneet, in this sheet you will have to enter them manually. If there are too many installments, then use the automated mf tracker. Such graphs can be auto-generated. I did not put in the NAVs on purpose. You can simply enter the value once a month on any day. It should not matter much in the long run.

  3. Navneet, in this sheet you will have to enter them manually. If there are too many installments, then use the automated mf tracker. Such graphs can be auto-generated. I did not put in the NAVs on purpose. You can simply enter the value once a month on any day. It should not matter much in the long run.

  4. Navneet, in this sheet you will have to enter them manually. If there are too many installments, then use the automated mf tracker. Such graphs can be auto-generated. I did not put in the NAVs on purpose. You can simply enter the value once a month on any day. It should not matter much in the long run.

  5. I was checking alexa ranking of some personal finance blogs, and noticed your rank isn16146 which is quite low compared to some other blogs. Now I do not want to name the other blogs. Each blog including you is doing excellent service by educating people. However I do find your blog better and of more value than others.I dont know where you are lacking. Please look into it. I started reading financial blog almost 1year blog and came to your blog just a month ago. I dont know why your blog is so less visible while it offers immense value

    1. Thanks for your concern, Rahul. The blog is now close to 2 years old. It is growing at a decent pace if not spectacular in terms of Alexa ranking. I have a certain mandate in mind and I will not write product reviews or on topical news items to get more readership. That kind of readership will not stay. Much of my posts involve sheets which will require time and effort on the part of the reader to use and provide feedback. Even if I say so myself most regular readers like you, understand the utility in the posts and that is the most important thing for me. That is enough to keep me going. Not Alexa ranking. Thank you very much.

  6. I was checking alexa ranking of some personal finance blogs, and noticed your rank isn16146 which is quite low compared to some other blogs. Now I do not want to name the other blogs. Each blog including you is doing excellent service by educating people. However I do find your blog better and of more value than others.I dont know where you are lacking. Please look into it. I started reading financial blog almost 1year blog and came to your blog just a month ago. I dont know why your blog is so less visible while it offers immense value

    1. Thanks for your concern, Rahul. The blog is now close to 2 years old. It is growing at a decent pace if not spectacular in terms of Alexa ranking. I have a certain mandate in mind and I will not write product reviews or on topical news items to get more readership. That kind of readership will not stay. Much of my posts involve sheets which will require time and effort on the part of the reader to use and provide feedback. Even if I say so myself most regular readers like you, understand the utility in the posts and that is the most important thing for me. That is enough to keep me going. Not Alexa ranking. Thank you very much.

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