Daily SIP Calculator

A daily SIP invests a fixed amount in a mutual fund on every business day, instead of once a month. Each instalment buys units at that day’s NAV, so your money goes in in small pieces spread across the month.

Many fund houses and investment platforms offer a daily SIP option, often starting from small amounts. Minimums, and which funds allow it, vary by fund house, so check the scheme’s details before you start.

For the same yearly amount and the same return, there is almost no difference. ₹100 a day for 10 years at 12% a year, over 250 investing days a year, puts in ₹2,50,000 and grows to about ₹4,64,650. A monthly SIP of the same ₹25,000 a year (₹2,083 a month) grows to about ₹4,66,741, roughly 0.45% more, because each month’s money is invested on day one rather than spread through the month.

In real markets, daily investing smooths your buying price across every day rather than twelve dates a year. Over long periods that averaging evens out, and neither frequency reliably beats the other. What changes your final corpus is how much you invest, for how long, and in which fund.

It converts your annual return into an equivalent daily rate, d = (1 + annual return)^1/days − 1, where “days” is the number of investing days a year. It then adds up every daily instalment, each growing from the day it was invested:

Value = A × [((1 + d)ⁿ − 1) ÷ d] × (1 + d)

Here A is the daily amount and n is the total number of instalments (investing days a year × years). Markets are closed on weekends and exchange holidays, so a year has roughly 245–250 investing days; the default of 250 is a round figure you can change.

To measure what an existing daily or monthly SIP has actually earned, use the XIRR calculator.