SIP Calculator 2026

For mutual funds

Weekly Investment

₹

Quick Presets:

₹100₹1.0 L

Interest Rate (%)

1%30%

Time Period (Years)

Yrs

1 Yr35 Yrs

Investment Summary

Invested Amount

₹1.56 L

Est. Returns

₹31,951

Total Value

₹1.88 L

one lakh eighty seven thousand nine hundred and fifty one rupees only

Years	Total Investment	Est. Returns	Total Value
1 year	₹52,000	₹3,308	₹55,308
2 years	₹1,04,000	₹13,660	₹1,17,660
3 years	₹1,56,000	₹31,951	₹1,87,951
5 years	₹2,60,000	₹96,527	₹3,56,527
10 years	₹5,20,000	₹4,85,712	₹10,05,712
15 years	₹7,80,000	₹14,07,787	₹21,87,787
20 years	₹10,40,000	₹33,00,180	₹43,40,180
25 years	₹13,00,000	₹69,59,385	₹82,59,385
30 years	₹15,60,000	₹1,38,35,709	₹1,53,95,709

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 weekly
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

Weekly SIP FAQs

How does a Weekly SIP work?

A Weekly SIP debits a fixed amount on a chosen weekday, buying units at that day's NAV — roughly 52 instalments a year against 12 for a Monthly SIP. Growth still comes from NAV appreciation, not from any weekly compounding.

Is a Weekly SIP better than a Monthly SIP?

Slightly smoother averaging in volatile markets, but the long-run difference in final corpus is well under 1%. A Weekly SIP suits people paid weekly or with irregular cash flow; salaried investors are usually better served by a Monthly SIP dated just after payday.

How many capital gains lots does a Weekly SIP create?

About 52 a year, so a 10-year Weekly SIP leaves roughly 520 lots to track for LTCG and STCG at redemption. Each lot has its own 12-month clock for equity long-term treatment.

What is the minimum amount for a Weekly SIP?

Typically Rs 100 to Rs 500 per week, with a minimum of six to twelve instalments depending on the fund house. You usually pick a fixed weekday — most AMCs offer Monday to Friday — and the debit repeats on that day. Confirm the minimum in the scheme information document, since a few schemes that show a weekly option on aggregator apps still enforce a higher AMC-level minimum at registration.

What happens if my Weekly SIP day is a bank holiday?

The debit and the unit allotment shift to the next working day, at that day's NAV. Nothing is skipped and there is no penalty. Over a year you get about 50 to 52 instalments rather than a clean 52. If the bank rejects a debit for insufficient funds, most AMCs let three consecutive failures pass before cancelling the SIP, so keep a small buffer in the account on the chosen weekday.

Does a Weekly SIP in ELSS lock in each instalment separately?

Yes, and this catches people out. Every ELSS purchase carries its own three-year lock-in from its own allotment date, so a weekly ELSS SIP creates about 52 separately locked lots a year. The last instalment of a year is free only three years after that date, not three years after you started. If you want a clean lock-in exit, a lumpsum or a monthly ELSS SIP is far easier to track.

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