Daily SIP vs Monthly SIP Calculator (2026) — Compare Returns & Corpus

Compare Daily SIP vs Monthly SIP mutual fund returns. Discover if daily investing beats monthly installments in compounding growth, volatility, and rupee cost.

Last updated: June 2026 for FY 2025-26Formula verified against RBI / government guidelinesReviewed by Ranveer Patel, Finance Professional
100% private: All calculations run in your browser. Your numbers never leave your device — no server, no storage, no account required.

How to Use This Daily vs Monthly SIP Calculator

Using our Daily vs Monthly SIP Calculator is simple and takes just a few seconds. Enter your values using the sliders or input fields above, and the results will update instantly — no need to click a calculate button.

All calculations are performed in your browser using standard financial formulas. Your data is never stored or transmitted to any server, ensuring complete privacy.

The results shown are estimates based on the inputs you provide. For precise figures, consult with your bank or financial advisor. Use this tool for quick comparisons, planning, and understanding how different variables affect your financial outcomes.

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Formula & Explanation

FV_monthly = P × [((1+r_m)^n - 1) / r_m] × (1+r_m) vs FV_daily = (P/21) × [((1+r_d)^n_d - 1) / r_d] × (1+r_d)

Compares compounding frequency over trading days versus monthly installments for an identical total monthly investment amount.

Calculation Examples

10-Year ₹10,000 Monthly Budget

₹10,000 monthly vs ₹476 daily at 12% for 10 years

Daily Corpus: ~₹23.4L | Monthly Corpus: ~₹23.2L | Difference: ~₹18,000

Benefits

  • Side-by-side corpus comparison
  • Simulates real 21 trading days/month
  • Calculates exact net wealth gap
  • No signup or mobile number required

Use Cases

  • Evaluating daily vs monthly frequency
  • Equity mutual fund planning
  • Volatile market investing strategies

About Daily vs Monthly SIP Calculator

Our Daily SIP vs Monthly SIP Calculator resolves the popular debate among Indian mutual fund investors. Compare whether splitting your monthly investment across 21 trading days generates superior wealth, reduces market timing risk, or matches traditional monthly SIP compounding.

Daily SIP vs Monthly SIP: Which One Generates More Wealth?

When starting an equity mutual fund SIP in India, retail investors often wonder whether setting up a daily automated debit beats standard monthly installments. This calculator lets you simulate identical cash outflows to see the exact mathematical difference in final maturity values.

How Daily Compounding Works

In a daily SIP, your monthly investment is divided across approximately 21 active trading sessions per month. While daily purchase provides granular rupee cost averaging during volatile market phases, the long-term historical returns between daily and monthly SIPs remain remarkably close, with differences typically below 1%.

Frequently Asked Questions

Historically, daily SIP and monthly SIP generate almost identical returns over a 5 to 10-year horizon (usually within a 0.2% to 0.5% margin). While daily SIP averages out intraday market volatility across 21 trading sessions per month, monthly SIP offers far simpler bank statements, easier tax filing (fewer capital gains entries upon redemption), and identical wealth outcomes. Use our free Daily vs Monthly SIP Calculator to test your exact monthly budget.

Daily SIP captures daily NAV fluctuations, purchasing more units when the market dips and fewer when it rises. However, Indian equity markets exhibit long-term upward compounding where monthly rupee cost averaging provides over 95% of the same volatility dampening effect without generating 250 transaction entries per year in your Demat account.

If your daily SIP date coincides with a weekend, trading holiday, or non-business day, your mutual fund AMC automatically executes the purchase order on the next open business trading day using that day's closing Net Asset Value (NAV).

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