₹100/Day Investment Calculator (Micro-SIP Power)
See how saving just ₹100 a day (₹3,000/month) compounds into tens of lakhs in Indian equity mutual funds over time.
From saving just ₹100/day (₹3,000/mo) over 15 years
*Projections assume regular monthly compounding at the expected rate of return.
Important Educational Disclaimer for Calculator Results:
Calculations are estimates based on your entered inputs and selected return or inflation assumptions. Results are illustrative, hypothetical, and not guaranteed. Actual market returns, interest rates, tax liabilities, and inflation rates will vary and may materially alter your final outcome. This calculator does not constitute financial, investment, or tax advice.
What does a daily habit of ₹100 create over time?
Saving ₹100/day (equivalent to ₹3,000/month) for 15 years at 12% CAGR with a 10% annual step-up accumulates into an astonishing estimated corpus of ₹26,05,155.
- Total Out-of-Pocket Habit: ₹11,43,809 (Less than the cost of a daily cup of specialty coffee or snacks).
- Compounded Wealth Gain: +₹14,61,345 (56% of your ending wealth!).
- The Psychology of Micro-Investing: Small, invisible daily amounts remove financial friction and build powerful lifelong investing discipline without pinching your monthly budget.
How This Calculator Works
Converts your daily saving habit into a disciplined monthly mutual fund SIP (or daily SIP) compounding monthly at standard market CAGR with optional annual increment.
Maturity Value = Future Value of Monthly SIP (Daily Amount × 30) with Annual Step-UpVariables in Formula:
Worked Step-by-Step Example
You invest ₹100 every single day (₹3,000/month) starting today for 15 years at 12% CAGR, stepping up your daily investment by 10% each year.
Key takeaway: Just ₹100 a day grows into over ₹31.4 Lakhs—enough to fund child college education or pay off a major chunk of your mortgage.
Common Mistakes to Avoid
⚠ Believing you need large sums of money to start investing
Most Indian mutual funds allow SIPs starting at just ₹100 or ₹500/month. Consistency and time in the market matter far more than starting with large amounts.
⚠ Stopping the micro-habit during market pullbacks
Market dips allow your ₹100 daily investment to accumulate mutual fund units at discounted NAVs.
Frequently Asked Questions
Complementary Tools
Educational Reading
Calculator = one answer. Financial Health Check = your full picture.
Answer 5 simple questions to see how your investments, debts, emergency fund, and cash flow fit together into a personalized blueprint.