SIP Calculator 2026
For mutual funds
Investment Summary
Daily Systematic Investing: Granular Rupee Cost Averaging Analyzed
Daily SIPs allocate a micro-installment into mutual funds every business trading day (approx. 250 days/year). While providing the most granular form of rupee cost averaging, extensive 15-year historical simulations prove that daily SIPs deliver virtually identical returns to traditional monthly SIPs over long horizons.
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 daily
- 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
Daily SIP FAQs
Key considerations before activating daily mutual fund debits.
Does a daily SIP beat a monthly SIP in total returns?
Empirical data shows that the return difference between daily and monthly SIPs over a 5 to 10-year period is less than 0.15% annualized, while creating 250+ entries in your bank statement every year.
Who should consider a daily SIP?
Daily SIPs are ideal for traders, shop owners, and business operators who receive daily cash inflows and prefer deploying daily surplus directly into investment folios.
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