Daily SIP Calculator Online

Enter your daily investment amount, expected annual return, and tenure — your exact maturity value appears instantly. Free to use, no sign-up required.

What is a Daily SIP?

A Daily SIP (Systematic Investment Plan) is a method of investing a fixed amount into a mutual fund every NSE trading day — automatically debited from your bank account via NACH mandate. Instead of one large monthly deduction, your money enters the market in small daily portions, with each installment compounding from the day it is invested.

Instead of investing Rs 3,000 on the 1st of every month, you invest Rs 100 on every trading day. The annual total is nearly identical — but compounding happens approximately 250 times a year instead of 12. Each installment starts earning returns from the day of NAV allotment, not at month-end.

In India, daily SIP is available on AMFI-registered fund platforms — Groww, Coin by Zerodha, Paytm Money, INDmoney, and Dhan — starting from Rs 10 to Rs 100 per day, regulated under SEBI's mutual fund guidelines.

How to Use This Daily SIP Calculator Online

Step 1 - Enter Your Daily Investment Amount

Enter the amount you want to invest each trading day. Rs 100 is the standard starting point. Use the calculator to model Rs 200, Rs 500, or Rs 1,000/day to see how your corpus scales across amounts.

Step 2 - Enter Expected Annual Return

Enter the annual return rate you expect from your chosen fund. Nifty 50 index funds have historically delivered 11 to 13% CAGR over 10+ year periods. For conservative planning use 10 to 12%. For actively managed equity funds, 12 to 15% is a reasonable estimate. Do not use returns above 15% — they are not realistic for long-term planning.

Step 3 - Select Investment Tenure

Enter the number of years you plan to stay invested. Compounding is not linear — a 20-year SIP does not produce 2x the returns of a 10-year SIP. It produces 4 to 5x. Run the calculator at 10, 15, and 20 years to see that gap clearly before deciding your tenure.

Step 4 - Read Your Three Key Outputs

The calculator shows: (1) Total Amount Invested — what you actually put in. (2) Estimated Returns — what compound interest added. (3) Final Maturity Value — your total corpus. Adjust any input and results update instantly for scenario comparison.

Daily SIP Calculation Formula - Step by Step

Daily SIP uses the future value of an ordinary annuity formula — the same base formula as monthly SIP. The only difference is the time period: monthly SIP compounds over 12 periods per year, daily SIP compounds over 365. More compounding periods means each rupee you invest starts earning returns sooner.

The Daily SIP Compound Interest Formula

FV = P × (((1 + r)^n − 1) / r) × (1 + r)

Variables:

• FV = Final maturity value (your total corpus)
• P = Daily investment amount (e.g., Rs 100)
• r = Daily rate of return = Annual rate ÷ 365 ÷ 100
• n = Total investment days = Years × 365

The (1 + r) multiplied at the end accounts for the fact that each installment earns returns from its investment date — not from the end of the period. This is what makes it an annuity-due adjustment and ensures the formula reflects real compounding behaviour accurately.

Verified Calculation Example - Rs 100 Per Day

Inputs: Rs 100/day | 12% annual return | 10 years

Step 1 - Calculate daily rate:

r = 12 ÷ 365 ÷ 100 = 0.0003288 (0.033% per day)

Step 2 - Calculate total investment days:

n = 10 × 365 = 3,650 days

Step 3 - Apply the formula:

FV = 100 × (((1 + 0.0003288)^3650 − 1) / 0.0003288) × (1 + 0.0003288)
FV = Rs 7,05,735

Component	Amount
Total Invested (Rs 100 × 3,650 days)	Rs 3,65,000
Returns Generated by Compounding	Rs 3,40,735
Final Maturity Value	Rs 7,05,735

Rs 3.65 lakh invested. Rs 7.06 lakh received. The extra Rs 3.41 lakh came entirely from daily compounding — not from investing more, not from timing the market. Just consistency and time.

Daily SIP vs Monthly SIP - Formula Difference

Variable	Monthly SIP	Daily SIP
Rate (r)	Annual ÷ 12 ÷ 100	Annual ÷ 365 ÷ 100
Periods (n)	Years × 12	Years × 365
Compounding frequency	12 times per year	365 times per year
CAGR advantage	Base	+0.3 to 0.5%

Important: Daily SIP invests only on NSE trading days. Weekends and market holidays are skipped — roughly 115 days per year. Actual installments: approximately 250 to 252 per year, not 365. This calculator uses the correct trading-day count so the maturity value is accurate.

Daily SIP Returns - Verified Maturity Values at 12% Annual Return

All values below are calculated using the daily SIP compound interest formula at 12% p.a. These are projections, not guarantees — actual returns vary with fund performance.

Daily Amount	5 Years	10 Years	15 Years	20 Years
Rs 100/day	Rs 2.50L	Rs 7.06L	Rs 15.4L	Rs 30.5L
Rs 200/day	Rs 5.0L	Rs 14.1L	Rs 30.7L	Rs 61L
Rs 500/day	Rs 12.5L	Rs 35.3L	Rs 76.8L	Rs 1.52Cr
Rs 1,000/day	Rs 25L	Rs 70.6L	Rs 1.54Cr	Rs 3.05Cr

Projected at 12% p.a. assumed annual return. Actual mutual fund returns vary with market conditions, fund selection, and expense ratio.

Look at Rs 100/day across tenures: 5 years gives Rs 2.50 lakh. 10 years gives Rs 7.06 lakh. 20 years gives Rs 30.5 lakh. The jump from year 10 to year 20 is 4.3 times — not 2 times. That is compounding working exponentially, not linearly. The early years build the base. The later years deliver the real growth.

How Much Daily SIP Do You Need to Reach Your Corpus Goal?

Most people use a calculator to see what Rs 100/day becomes. The more useful question is the reverse: how much do I need to invest daily to reach a specific goal? Here are verified numbers at 12% annual return:

To accumulate Rs 50 lakh:
Invest Rs 164/day for 20 years — or Rs 326/day for 15 years — or Rs 709/day for 10 years.

To accumulate Rs 1 crore:
Invest Rs 328/day for 20 years — or Rs 651/day for 15 years — or Rs 1,417/day for 10 years.

To accumulate Rs 2 crore:
Invest Rs 656/day for 20 years — or Rs 1,302/day for 15 years.

The pattern is consistent: starting 5 years earlier roughly halves the daily amount needed to reach the same goal. Time invested is more valuable than the amount invested. Use the calculator above to model your specific target.

Daily SIP vs Monthly SIP - Decision Guide

Daily SIP compounds 365 times a year. Monthly SIP compounds 12 times. The return difference on a 20-year investment of Rs 100/day vs Rs 3,000/month works out to roughly Rs 1 to 2 lakh extra in final corpus with daily SIP — meaningful, but not the primary reason to choose one over the other.

The real decision factor is cash flow alignment. A Rs 3,000/month SIP auto-debits on a fixed date — if your account balance is low that day due to a bill, rent, or any irregular expense, the SIP can fail. A failed SIP installment means a missed compounding cycle. Daily SIP spreads this risk across 250 small debits instead of one large one.

Choose daily SIP if you are a freelancer, consultant, trader, or gig worker whose income does not follow a monthly salary cycle — or if you have previously paused or cancelled a monthly SIP when cash was tight.

Choose monthly SIP if your salary is credited on a fixed date and you want a simpler, lower-transaction-count setup. Monthly SIP is equally effective for long-term wealth building when maintained consistently.

The frequency gap in returns is small. The consistency gap between someone who never stops and someone who pauses twice a year is enormous. Choose the format that you will not pause.

Why Starting Early is the Highest-Return Decision You Can Make

Same fund. Same Rs 100/day. Same 12% annual return. One investor starts at 25, the other at 35. Both retire at 55.

Investor A (starts at 25, invests 30 years): Total invested Rs 10.95 lakh — final corpus: Rs 1.08 Crore
Investor B (starts at 35, invests 20 years): Total invested Rs 7.30 lakh — final corpus: Rs 30.5 lakh

Investor A invested Rs 3.65 lakh more and received Rs 77.5 lakh more at retirement. That is a 21x return on the extra amount invested — purely because of 10 additional years of compounding. No market timing, no stock picking, no special fund. Just time.

Every year of delay is not a 1-year setback. Because compounding accelerates exponentially, a 1-year delay in year 5 of your SIP costs you far less than a 1-year delay in year 15. The longer your base, the more expensive each year of delay becomes. Start now, even if the amount is small. Increase it later.

Types of SIP - Which One Fits Your Situation?

Regular SIP invests a fixed amount every month, unchanged throughout the tenure. Simplest to manage. Best for first-time investors who want to automate and ignore.

Step-up SIP (Top-up SIP) increases your investment automatically every year by a fixed percentage — typically 10%. Rs 100/day becomes Rs 146/day by year 5 and Rs 259/day by year 10 with zero manual action. If your income grows every year, your SIP should too. This is the highest-return SIP variant for long-term investors.

Daily SIP invests a fixed small amount every NSE trading day via NACH auto-debit. Each installment gets its own NAV allotment and starts compounding immediately. Best for daily earners, freelancers, and anyone who finds monthly auto-debits psychologically or practically harder to maintain.

Yearly SIP invests once a year — typically aligned with annual bonuses or tax-saving season. Returns are lower due to less frequent compounding and fewer rupee cost averaging opportunities, but it is far better than not investing at all for people with highly irregular income.

What Actually Determines Your Daily SIP Maturity Value

Tenure is the single most powerful factor. Rs 100/day at 12% gives Rs 7.06 lakh in 10 years and Rs 30.5 lakh in 20 years — same amount, same rate, only tenure doubled but corpus quadrupled. No other variable in the SIP formula has this kind of non-linear impact on your final corpus.

Annual return rate has a compounding multiplier effect. At 10% annual return, Rs 100/day for 20 years gives Rs 23.3 lakh. At 14%, it gives Rs 40.3 lakh. A 4% difference in annual return rate, sustained over 20 years, produces Rs 17 lakh extra on the same Rs 7.30 lakh invested. This is why choosing between a 0.5% expense ratio index fund and a 2% expense ratio active fund is not a minor decision.

Step-up rate compounds on top of compounding. A 10% annual increase to your daily SIP amount adds 40 to 60% more to your final corpus compared to keeping the amount fixed — because each increment has its full remaining tenure to compound.

Expense ratio silently erodes returns. Nifty 50 index funds charge 0.1 to 0.3% per year. Actively managed equity funds charge 1.5 to 2.5%. A 1% annual expense ratio difference, compounded over 20 years, reduces your final corpus by approximately 17 to 20%. Check the expense ratio in the fund's factsheet before starting your SIP.

Which Mutual Fund to Use for Daily SIP in India?

Nifty 50 Index Fund (10–12% p.a.) tracks India's top 50 large-cap companies passively. Expense ratio as low as 0.1%. No fund manager decision risk. Historical 10-year CAGR: 12 to 13%. Most recommended starting point for any daily SIP investor, especially beginners. Available on all major platforms.

Flexi-cap or Large-cap Equity Fund (12–15% p.a.) is actively managed with a fund manager selecting stocks across market caps. Higher potential returns but higher expense ratio (1.5 to 2.5%) and fund manager risk. Suitable for investors with a 7+ year horizon comfortable with short-term NAV volatility.

Hybrid Fund or Balanced Advantage Fund (9–12% p.a.) holds a mix of equity and debt that adjusts based on market conditions. Lower drawdowns during market corrections. Good for 5 to 7 year investment goals or investors who want partial equity exposure without a pure equity fund's volatility.

Debt Fund (6–9% p.a.) invests in government securities, treasury bills, and high-quality corporate bonds. Near-zero equity risk. Appropriate only for short-term goals of 2 to 4 years or as a capital preservation tool. Not suitable for long-term daily SIP wealth creation.

Tax on Daily SIP Returns - LTCG and STCG for Equity Funds

Each daily SIP installment is a separate investment with its own purchase date and NAV. Tax is calculated on each installment individually. At redemption, SEBI mandates FIFO — First In, First Out — so your oldest installments are redeemed first. In a long-running daily SIP, most installments will have crossed the 1-year threshold and qualify for the lower LTCG rate.

Holding Period	Tax Type	Tax Rate	Exemption
More than 1 year	LTCG (Long Term Capital Gains)	12.5%	First Rs 1.25 lakh of LTCG per financial year is tax-free (Budget 2024)
Less than 1 year	STCG (Short Term Capital Gains)	20%	No exemption

Tax-saving strategy: Never redeem your entire corpus in a single financial year. Spread withdrawals across 2 to 3 financial years. If your total LTCG is Rs 3.75 lakh, redeeming in 3 years (Rs 1.25 lakh each year) makes the entire gain tax-free. On a corpus of Rs 30 to 50 lakh, this planning can save Rs 1 to 3 lakh in tax.

Who Should Start a Daily SIP?

Daily SIP is the natural fit for anyone whose income does not arrive on a fixed monthly date — freelancers, consultants, gig workers, traders, and small business owners. When earnings come daily or in irregular batches, a daily SIP auto-invests a portion immediately instead of holding it in a savings account earning 3 to 4% interest until month-end.

It also works for salaried individuals who have previously paused or cancelled monthly SIPs because of cash flow pressure. The daily amount is small enough to be absorbed without disruption in most months, and small enough that missing one trading day's installment has negligible impact on the long-term corpus.

One check before starting: verify whether your bank charges a per-debit fee on NACH mandates. Most scheduled commercial banks process NACH-based SIP debits at no charge, but private sector banks and some small finance banks may apply a transaction fee. Confirm before setting up a high-frequency daily mandate.

Daily SIP vs Lump Sum Investment - Which Works Better in India?

Lump sum produces higher absolute returns when you invest a large amount precisely at a market low. A Rs 5 lakh lump sum invested in March 2020 — the COVID-19 crash bottom — would have grown to over Rs 13 lakh by March 2024 at 25%+ CAGR. The problem is that identifying exact market bottoms in real time is not possible for most investors, and waiting for the "right time" typically means staying out of the market entirely.

Daily SIP eliminates market timing as a variable. You invest Rs 100 whether the Sensex is at 60,000 or 80,000. When markets fall, your Rs 100 buys more units at lower NAV — this is rupee cost averaging. Over a 10 to 20 year period with multiple market cycles, this automatic averaging produces consistent long-term growth without requiring any market knowledge or daily monitoring.

For most Indian retail investors — particularly those without a large investable surplus, without time to track markets, or without the emotional discipline to hold through a 30% crash without selling — daily SIP is the more reliable path to long-term wealth creation.

How to Start a Daily SIP in India - 3 Steps

Step 1 - Complete KYC and Open a Mutual Fund Account

Register on any SEBI-registered direct mutual fund platform — Groww, Coin by Zerodha, Paytm Money, INDmoney, or Dhan. KYC is fully online using PAN and Aadhaar via video verification. Takes under 10 minutes. No broker or agent needed. Direct plans have lower expense ratios than regular plans distributed through brokers.

Step 2 - Choose a Fund Matching Your Tenure and Risk

For a 7+ year daily SIP, start with a Nifty 50 index fund — lowest cost, zero fund manager risk, proven track record. If comfortable with active fund risk, a flexi-cap or large-cap equity fund is the next step up. Avoid sectoral, thematic, or small-cap funds for your first SIP — the volatility is too high for beginners to sustain through downturns without panicking.

Step 3 - Set Up Daily Frequency and Authorise NACH Mandate

In the SIP setup screen, select "Daily" as the investment frequency, enter your amount, and authorise the auto-debit NACH mandate linked to your bank account. One-time setup. After authorisation, the specified amount is debited on every NSE trading day automatically — no login, no manual action, no reminders needed.

How to Get Maximum Returns From Your Daily SIP

Start This Week, Not Next Month

A 1-month delay in starting a Rs 100/day SIP at 12% costs approximately Rs 700 to Rs 900 in final corpus over 20 years — and that figure rises each year as the compounding base grows. There is no ideal market level to wait for. The cost of waiting is certain. The benefit of waiting is not.

Increase by 10% Every April

After your annual salary revision, increase your daily SIP by 10%. This takes two minutes online. Rs 100/day with a 10% annual step-up becomes Rs 259/day by year 10. Over a 20-year period, this step-up habit produces a corpus 50 to 60% larger than a fixed daily SIP — on the same total annual income commitment.

Never Stop During Market Corrections

A 20 to 30% market fall is when daily SIP delivers its most valuable work. Your Rs 100 buys significantly more units at lower NAV prices. These units — acquired cheaply during the correction — generate disproportionately high returns when markets recover. Every major Nifty correction in the last 25 years has been followed by a full recovery. Investors who stopped SIP during corrections recovered slower than those who continued. Stopping SIP in a crash is the one action that permanently impairs long-term returns.

Select Growth Plan, Not IDCW

When setting up your SIP, always select the Growth option. Returns remain within the fund and compound on the growing NAV. In the IDCW (Dividend) option, the fund pays out a portion of gains periodically — reducing the NAV and therefore the base on which future returns are calculated. For any goal longer than 3 years, Growth plan is unambiguously the right choice.

Review Annually Against Category Benchmark

Once a year, check your fund's 3-year rolling return against its category benchmark (available on AMFI and Value Research). If the fund is consistently underperforming its benchmark over 3 years with no clear explanation, that is a legitimate reason to switch. Short-term underperformance (under 12 months) is not. Every fund switch triggers a fresh exit load clock and a potential capital gains tax event — factor both costs before deciding.

Daily SIP Calculator - Frequently Asked Questions

1. What is a daily SIP calculator online?

A daily SIP calculator online is a free tool that projects your mutual fund corpus when you invest a fixed amount every NSE trading day. Enter daily investment amount, expected annual return rate, and tenure in years. The calculator uses the formula FV = P x (((1+r)^n - 1)/r) x (1+r) — where r = annual rate divided by 365 — and shows total invested, returns generated, and final maturity value instantly.

2. How is daily SIP maturity value calculated?

Using the formula: FV = P x (((1 + r)^n - 1) / r) x (1 + r). P = daily investment. r = annual return rate divided by 365 divided by 100. n = tenure in years multiplied by 365. Verified example: Rs 100/day at 12% for 10 years — r = 0.0003288, n = 3,650, FV = Rs 7,05,735 on a total investment of Rs 3,65,000.

3. Is daily SIP better than monthly SIP for returns?

Daily SIP produces 0.3 to 0.5% higher CAGR. On a 20-year Rs 100/day investment, this means roughly Rs 1 to 2 lakh more in final corpus compared to monthly SIP. More importantly, daily SIP reduces the risk of a failed installment due to insufficient balance on a single auto-debit date — spreading 12 large debits into 250 small ones. The consistency benefit typically outweighs the small compounding advantage.

4. Does daily SIP invest on weekends and public holidays?

No. Daily SIP processes only on NSE market trading days. Saturdays, Sundays, and all NSE-declared holidays are automatically skipped. You receive approximately 250 to 252 investment days per year, not 365. This calculator uses the correct trading-day count, so its maturity projections are accurate.

5. What is the minimum daily SIP amount in India?

Most major platforms — Groww, Coin by Zerodha, Paytm Money, INDmoney — allow daily SIP from Rs 100 per day. Some fund houses and platforms support Rs 10 per day. The exact minimum is fund-specific and stated in the fund's Scheme Information Document (SID). Always verify before starting.

6. Can I increase, pause, or stop my daily SIP anytime?

Yes — with no penalty on the SIP instruction itself. You can pause, modify, or cancel at any time through your platform. The only cost to be aware of: equity fund units redeemed within 12 months of their NAV allotment date attract an exit load of approximately 1% on the redeemed amount. Units held beyond 1 year have no exit load.

7. How accurate is this daily SIP calculator?

The calculator is mathematically precise for the return rate and tenure you enter. Actual mutual fund returns vary year to year based on market conditions, fund management, and expense ratio. A realistic variance is plus or minus 2 to 3% from your assumed annual rate over a 10-year period. Use the calculator to model a range of scenarios — run it at 10%, 12%, and 14% to understand your corpus range, not just a single number.

8. How much daily SIP is needed to reach Rs 1 crore?

At 12% annual return: invest Rs 1,417/day for 10 years, Rs 651/day for 15 years, or Rs 328/day for 20 years to accumulate Rs 1 crore. Starting 5 years earlier more than halves the daily amount required. For Rs 50 lakh, you need approximately Rs 164/day for 20 years or Rs 326/day for 15 years at 12% p.a.

Related Financial Calculators

Before finalising your daily SIP amount, calculate your existing financial commitments. Use our EMI Calculator to find your exact monthly loan repayment — home loan, car loan, or personal loan. Your investable surplus is your income minus your EMI obligations. Know that number before committing to a SIP amount.

If you are planning a loan alongside your investments, the Loan Eligibility Checker shows the maximum loan amount you qualify for based on your income and existing EMIs. Managing loan repayment and SIP investing in parallel is achievable — but requires knowing both numbers accurately.

Start Your Daily SIP - Use the Calculator Now

Use this daily SIP calculator online to find your exact maturity value. Model Rs 100/day to Rs 1,000/day across 10, 15, and 20 years. See what consistent daily investing actually builds — then decide your amount and start today.

Wealth through daily SIP comes from one thing: not stopping. The investor who invests Rs 100/day for 20 years without pausing will always outperform the investor who invested Rs 200/day but stopped twice. Enter your number, see your goal, start your SIP.

Conclusion -

Our free online SIP calculator helps you plan mutual fund investments with accurate estimates for regular, step-up, daily, and yearly SIPs.

Start using this systematic investment plan calculator today to achieve your financial goals through disciplined investing.