This daily SIP calculator estimates what a small amount invested every market day could grow to. It also handles weekly SIPs. Type the amount per instalment, choose daily or weekly, and set an expected return and the years. The result shows the estimated value, the total invested and how the same money would do as a monthly SIP.
Daily and weekly SIPs suit people paid daily or weekly, such as shop owners, gig workers and traders, and anyone who finds ₹100 a day easier than ₹2,500 a month.
At a glance
- Market days a yearAbout 250
- ₹200 a market dayAbout ₹50,000 a year
- 10 years at 12%About ₹9.67 lakh
- Same money monthlyAbout ₹9.68 lakh
- Weekly option52 instalments a year
- ReturnAn assumption, not a promise
How the daily SIP calculator works
The calculator counts about 250 market days a year, since funds only buy units on days the markets are open. Each instalment grows at the expected yearly return spread across those days. ₹200 every market day is about ₹50,000 a year. Run that for a decade at 12% and ₹5,00,000 put in turns into roughly ₹9,66,781. Daily plans also tend to come with a smaller minimum per instalment than monthly ones, which makes them easy to start with spare change from each day's takings.
A weekly SIP works the same way with 52 instalments a year. ₹500 a week for 10 years at 12% puts in ₹2,60,000 and is estimated to reach about ₹5,02,856.
Daily vs weekly vs monthly SIP
| Plan | Invested in 10 years | Estimated value at 12% |
|---|---|---|
| ₹200 every market day | ₹5,00,000 | ₹9,66,781 |
| Same money monthly (about ₹4,167) | ₹5,00,000 | ₹9,68,079 |
| ₹500 every week | ₹2,60,000 | ₹5,02,856 |
The results are nearly identical. Over long periods, how often you invest makes almost no difference to the outcome. What matters is the amount, the time and the fund's actual return. So pick the frequency that matches when you get paid and that you will stick with.
When a daily SIP makes sense
- Daily or weekly income: you invest as money comes in rather than waiting for a month end lump.
- Habit building: small, frequent amounts can feel easier.
- Smoothing: buying on many days spreads purchase prices, though over years a monthly SIP already does most of this.
Things to check first: whether your fund house or platform offers daily SIPs for that fund, the minimum amount per instalment, and whether your bank charges for frequent auto debits. A failed debit on many days can bring repeated bounce charges.
Weekly SIP calculator tips
Weekly plans are a middle path. They need fewer debits than daily plans, but still match a weekly pay cycle. Set the debit day a day or two after you usually receive money. If your income is irregular, a monthly SIP with occasional top ups through the lumpsum calculator may be easier to manage than many small debits.
For a regular monthly plan, see the main SIP calculator. To invest once a year instead, see the yearly SIP calculator.
Small amounts over long periods
A hundred rupees each market day, for 15 years at 12%, puts in ₹3,75,000 and could grow to about ₹10.5 lakh. That shows what time does to small sums. Inflation will shrink what that buys, so the SIP calculator with inflation is worth a look for long goals.
Mutual funds carry market risk, and a steady 12% is only an illustration. Check scheme documents for minimum amounts and exit loads before starting a daily SIP.
Frequently asked questions
What is a daily SIP?
A SIP where a fixed amount is invested in a mutual fund on every market day, instead of once a month.
Is a daily SIP better than a monthly SIP?
Over long periods the results are almost the same for the same total money. Choose the frequency that fits your income.
How much will ₹100 a day in SIP become?
Roughly ₹10.5 lakh after 15 years from ₹3.75 lakh put in, if the fund manages 12% yearly.
How many days are counted in a daily SIP?
Only market days, about 250 a year. Weekends and market holidays are skipped.
Do all mutual funds allow daily SIPs?
No. Your fund house or platform can confirm. Minimum amounts per instalment also vary.
What is a weekly SIP calculator?
The same calculator with 52 instalments a year. Pick weekly in the frequency box.