Daily vs Monthly SIP Calculator
Compare daily frequency investing (₹333/day) against standard monthly SIP (₹10,000/month) to see if daily frequency actually beats monthly compounding.
Clean bank statements (1 debit/mo)
+₹20,862 marginal difference
Daily SIP delivers a negligible 0.90% difference over monthly frequency
*Backtesting shows consistency and annual step-up matter 50x more than SIP frequency.
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.
Does investing daily make you richer than investing monthly?
Deploying ₹10,000/month over 10 years (total capital ₹12,00,000): A Daily SIP of ₹333/day generates an estimated ₹23,44,253, while a Monthly SIP of ₹10,000/month generates ₹23,23,391.
- Mathematical Difference: Only ₹20,862 (0.90%) over 10 years.
- The Myth of Daily SIP Superiority: Extensive historical backtests of the Nifty 50 show that over 5, 10, and 15-year horizons, Daily and Monthly SIP returns differ by less than 0.2% per year.
- Verdict: Choose whichever frequency matches your income cycle! Salaried professionals should stick to a clean Monthly SIP scheduled 1–2 days after salary credit.
How This Calculator Works
Models 365 daily micro-installments versus 12 monthly regular installments at identical annual cash allocation.
Daily SIP (365 Tranches/Year) vs Monthly SIP (12 Tranches/Year)Variables in Formula:
Worked Step-by-Step Example
Investing ₹10,000/month (or ₹333/day) in a Nifty 50 Index Fund for 10 years at 12% CAGR.
Key takeaway: Daily SIP generates ~₹19,700 extra over a decade (~0.8% total difference). Transaction overhead and bank statement clutter rarely justify daily SIPs for salaried professionals.
Common Mistakes to Avoid
⚠ Cluttering bank account with 30 micro-debits every month
Daily SIPs create 365 bank debit transactions per year, making bank statements and tax filings hundreds of pages long for almost zero return advantage.
Frequently Asked Questions
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