SIP Calculator 2026

For mutual funds

Daily Investment

₹

Quick Presets:

₹50₹0.1 L

Interest Rate (%)

1%30%

Time Period (Years)

Yrs

1 Yr35 Yrs

Investment Summary

Invested Amount

₹1.09 L

Est. Returns

₹22,322

Total Value

₹1.32 L

one lakh thirty one thousand eight hundred and twenty two rupees only

Years	Total Investment	Est. Returns	Total Value
1 year	₹36,500	₹2,286	₹38,786
2 years	₹73,000	₹9,517	₹82,517
3 years	₹1,09,500	₹22,322	₹1,31,822
5 years	₹1,82,500	₹67,589	₹2,50,089
10 years	₹3,65,000	₹3,40,735	₹7,05,735
15 years	₹5,47,500	₹9,88,395	₹15,35,895
20 years	₹7,30,000	₹23,18,396	₹30,48,396
25 years	₹9,12,500	₹48,91,580	₹58,04,080
30 years	₹10,95,000	₹97,29,770	₹1,08,24,770

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 daily
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

Daily SIP FAQs

How does a Daily SIP work and does it compound daily?

A Daily SIP debits a fixed amount every business day and buys units at that day's NAV. The compounding is not daily — it comes from the fund's NAV growth. The benefit is finer rupee-cost averaging across roughly 250 NAVs a year instead of 12.

Is a Daily SIP better than a Monthly SIP in India?

Over long horizons the difference is marginal — typically under 1% in final corpus — because equity markets trend upward and averaging advantages wash out. A Monthly SIP is easier to reconcile and generates far fewer capital-gains lots at redemption.

Does a Daily SIP create tax and paperwork problems?

Yes, that is its real cost. Each daily instalment is a separate purchase lot with its own holding period and ELSS lock-in. A three-year Daily SIP creates about 750 lots to track for LTCG/STCG, against 36 for a Monthly SIP.

What is the minimum amount for a Daily SIP?

Most fund houses that offer a daily frequency set the minimum at Rs 100 or Rs 500 per day, with a minimum of about 30 to 60 instalments. Not every scheme allows daily — it is usually restricted to large index funds, liquid funds and a handful of flexi-cap schemes. Check the scheme information document rather than the app, since the app may show the frequency while the AMC's own minimum blocks the registration.

What happens to a Daily SIP on weekends and bank holidays?

Nothing is debited on a non-working day. The instalment simply moves to the next working day at that day's NAV, so a normal month gives you about 20 to 22 purchases rather than 30. Long stretches such as Diwali or a stock exchange trading holiday cluster several instalments together. This does not cost you anything, but it means your actual number of instalments will not match a simple days-in-the-period count.

Does investing daily actually earn more than investing monthly?

Barely. Over a long horizon the difference between daily and monthly investing of the same annual amount is typically under 1% of the final corpus, because the averaging benefit is already captured by the monthly rhythm. What you do get is roughly 250 purchase lots a year instead of 12, which makes redemption FIFO tracking and capital gains reporting far heavier. For most people, monthly remains the sensible default.

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