Total Value at Maturity
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Daily SIP Calculator
The Daily SIP Calculator turns your small daily contributions into a clear long-term projection — enter your daily investment amount, expected annual return, and investment period, then hit Calculate to see your total value at maturity, total amount invested, and estimated returns using 365-day compounding. Adjust any slider and the donut chart and year-wise growth table both refresh live, so you can see what ₹100 a day builds versus ₹200 or ₹500 across every year of your systematic investment plan horizon. For more related tools, see the step-up sip calculator.
Results
Total Amount Invested
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Estimated Returns
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Investment Breakdown
Results Table
| Year | Amount Invested | Est. Returns | Total Value |
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What is a Daily SIP Calculator?
A daily SIP calculator computes the future value of a systematic investment plan where you invest a small fixed amount every day rather than once a month. This daily systematic investment plan calculator uses 365 instalments per year and applies daily compounding — dividing the annual return rate by 365 — to project the total value at maturity, total amount invested, and estimated returns for any daily contribution. It is particularly useful for investors who want to put aside a small amount each day — ₹50, ₹100, ₹200 — rather than a lump monthly transfer, and want to see what that habit builds to over 5, 10, or 20 years.
Not all mutual funds in India support true daily SIP instalments — some platforms process them as monthly credits internally — but the SIP daily investment calculator gives you an accurate upper-bound projection using true daily compounding, which is the most favourable assumption for this frequency. Also explore the yearly sip calculator for a related calculation.
How Daily SIP Returns Are Calculated
The daily SIP returns formula is the standard Future Value of Annuity Due applied at a daily frequency:
M = P × [(1 + r)ⁿ − 1] / r × (1 + r)
- P = Daily investment amount (₹)
- r = Daily return rate = Annual return ÷ 365 ÷ 100
- n = Total days = Years × 365
Example: ₹100/day for 10 years at 12% annual return → r = 0.000329, n = 3,650. Daily SIP maturity value ≈ ₹23.5 lakh on ₹3.65 lakh invested — over 6× your money in 10 years. Compare that with saving ₹100/day in a savings account at 3.5% and the difference is stark. Use the daily investment slider above to find an amount that fits your daily cash flow within your broader systematic investment plan.
Daily SIP vs Monthly SIP — Which Builds More Corpus?
For the same annual invested amount, a daily systematic investment plan builds a marginally larger corpus than a monthly SIP because more instalments means more compounding periods. The difference is small — typically 0.3–0.5% more corpus over 10 years — but it grows with the tenure and the return rate. The more meaningful difference is behavioural: daily investing reinforces the habit at a granular level and makes the per-instalment amount feel small and manageable. Here is how daily and monthly SIP compare for equivalent annual contributions at 12%:
| Monthly equivalent | Daily amount | 10-year corpus (daily) | 10-year corpus (monthly) |
|---|---|---|---|
| ₹3,000/month | ₹100/day | ₹23.5 lakh | ₹23.2 lakh |
| ₹6,000/month | ₹200/day | ₹47.0 lakh | ₹46.5 lakh |
The corpus difference is modest, but the discipline benefit of a daily SIP is real. If your platform supports it, a daily systematic investment plan can be a useful structure for building the investing habit before scaling up to larger monthly amounts.
Frequently Asked Questions
What is a daily SIP and how is it different from a monthly SIP?
A daily SIP (daily systematic investment plan) is a variant where a fixed amount is invested in a mutual fund every day instead of once a month. Each daily instalment buys units at that day's NAV, giving you 365 cost-averaging points per year instead of 12. The mathematics uses daily compounding — annual return divided by 365 — which produces a marginally higher corpus than monthly compounding on the same annual invested amount. The practical difference in returns is small; the bigger benefit is the daily saving discipline it creates.
Is daily SIP better than monthly SIP in India?
For pure return calculations, daily SIP produces a slightly higher corpus than monthly SIP on the same annual invested amount, because more frequent compounding works in your favour. However, the difference is small — around 0.3–0.5% more corpus over 10 years. Many mutual fund platforms in India process daily SIP deductions and internally aggregate them before purchasing units, which may reduce the theoretical advantage. Check whether your platform actually processes units at daily NAV before choosing this frequency for your systematic investment plan.
How do I start a daily SIP in India?
Several mutual fund platforms in India — including Groww, Zerodha Coin, Paytm Money, and direct AMC websites — offer daily SIP options. You link your bank account, select the scheme, choose 'Daily' as the SIP frequency, enter the daily amount, and set a start date. The platform will debit your account each day and purchase units at that day's NAV (or the next business day's NAV for non-market days). Minimum daily SIP amounts vary by platform but are typically ₹100–₹500 per day.
What is the minimum daily SIP amount?
Minimum daily SIP amounts in India vary by fund house and platform. Most direct platforms allow daily SIPs starting from ₹100 per day, with some allowing as low as ₹10–₹50 per day. The annual equivalent of ₹100/day is ₹36,500 — roughly the same as a ₹3,000/month SIP. If your budget is tight, a daily systematic investment plan with a small amount is a practical way to get started, with the option to increase the daily amount as your income grows.