Daily SIP Calculator
See how investing a small amount daily compounds faster than monthly SIP. Compare daily vs monthly returns side by side.
Total Invested
₹3,65,000
Daily SIP Maturity
₹7,05,735
Wealth Gained
₹3,40,735
Daily vs Monthly SIP
Growth Over Time
₹7,05,735
| Year | Invested | Value |
|---|---|---|
| 1 | ₹36,500 | ₹38,786 |
| 2 | ₹73,000 | ₹82,517 |
| 3 | ₹1,09,500 | ₹1,31,822 |
| 4 | ₹1,46,000 | ₹1,87,412 |
| 5 | ₹1,82,500 | ₹2,50,089 |
| 6 | ₹2,19,000 | ₹3,20,755 |
| 7 | ₹2,55,500 | ₹4,00,429 |
| 8 | ₹2,92,000 | ₹4,90,260 |
| 9 | ₹3,28,500 | ₹5,91,542 |
| 10 | ₹3,65,000 | ₹7,05,735 |
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹36,500 | ₹38,786 | ₹2,286 |
| 2 | ₹73,000 | ₹82,517 | ₹9,517 |
| 3 | ₹1,09,500 | ₹1,31,822 | ₹22,322 |
| 4 | ₹1,46,000 | ₹1,87,412 | ₹41,412 |
| 5 | ₹1,82,500 | ₹2,50,089 | ₹67,589 |
| 6 | ₹2,19,000 | ₹3,20,755 | ₹1,01,755 |
| 7 | ₹2,55,500 | ₹4,00,429 | ₹1,44,929 |
| 8 | ₹2,92,000 | ₹4,90,260 | ₹1,98,260 |
| 9 | ₹3,28,500 | ₹5,91,542 | ₹2,63,042 |
| 10 | ₹3,65,000 | ₹7,05,735 | ₹3,40,735 |
What is Daily SIP?
Daily SIP is a Systematic Investment Plan where you invest a fixed amount every business day instead of once a month. Platforms like Groww and Zerodha now support daily SIPs. The key benefit is more frequent compounding — your money starts working for you every day instead of waiting until the next monthly instalment date.
Daily vs Monthly SIP
Daily SIP gives marginally higher returns than monthly SIP for the same total investment because:
- More frequent compounding: Money compounds 365 times a year instead of 12, giving a slight edge.
- Better rupee cost averaging: You buy units at 365 different price points instead of 12, smoothing out volatility even further.
- Psychological ease: Investing ₹100/day feels easier than ₹3,000/month, even though it's the same.
However, the return difference is typically small — around 0.1-0.3% annually. The real advantage is behavioral: daily investing builds a stronger savings habit.
How Daily SIP Returns are Calculated
Daily SIP uses the same future value formula as monthly SIP, but with daily compounding:
FV = D x (((1 + r)^n - 1) / r) x (1 + r)
Where D = daily investment, r = daily rate (annual rate / 365), and n = total days (years x 365). The comparison uses an equivalent monthly amount (daily x 30) with the standard monthly SIP formula.