See how daily contributions add up
Choose your contribution days and explore a return scenario.
Money going in each month
| Month | Put in |
|---|
How we calculate this
We list every day you invest (weekends skipped in Monday-to-Friday mode). Each day's amount grows to the last day as amount × (1 + yearly return)^(days ÷ 365). You invest at the end of each day, so the last day's amount earns nothing yet.
Calculation version 0.3 · Days are counted exactly (ACT/365F): a leap year has 366 days but we still divide by 365, so returns over a leap year are very slightly higher. Public and market holidays aren't removed.
Related: Monthly SIP plan · One-time investment
How to read your daily SIP result
A daily SIP (systematic investment plan) puts a small fixed amount into an investment on each chosen day. This tool counts those days on a real calendar and shows what they could add up to at one steady yearly return. That return is your own assumption. Real investments can lose value.
What the numbers mean
Contributions is the number of days you invest. We build an exact list of dates from your first day to your last day, both included. In “Monday to Friday” mode, Saturdays and Sundays are skipped. Public and market holidays are not, so a holiday that falls on a weekday still counts. What happens on those days depends on your fund and platform.
You put in is the daily amount times the number of contributions. Projected value is what all of them would be worth at the end of your last day. Projected gain is the difference, and it changes to “Projected loss” if the value is lower.
Each payment counts as made at the end of its day. It then grows for the exact number of days left until the last day. We divide those days by 365 in every year, a method called ACT/365F (actual days, fixed 365). Over a leap year, 366 days ÷ 365 is a little more than one year, so the result comes out slightly higher. The last day’s payment earns nothing, because no time is left for it to grow.
The table Money going in each month may matter most. It shows what leaves your account each month. That depends on how many contribution days the month has, so it changes from month to month.
Worked example
The page opens with ₹100 a day, every day, from today for one year, at 12% a year. Because “today” keeps moving, here is a fixed, fictional period instead: 1 January to 31 December 2027, with the same amount and return.
| Result | Every day | Monday to Friday |
|---|---|---|
| Contributions | 365 | 261 |
| You put in | ₹36,500 | ₹26,100 |
| Projected value | ₹38,643 | ₹27,625 |
| Projected gain | ₹2,143 | ₹1,525 |
In “every day” mode, February 2027 takes ₹2,800 and January takes ₹3,100. In weekday mode, the same months take ₹2,000 and ₹2,100. The ₹100 paid on 1 January grows for 364 days, to about ₹111.97. The ₹100 paid on 31 December stays ₹100.
Run all of 2028 instead, a leap year, and you get 366 contributions, ₹36,600 paid in and a projected ₹38,755.
What this tool doesn’t do
It uses one return that never changes. Real prices move every day, and over a short period they can fall. The tool has no holiday calendar and doesn’t link to any fund house or payment system. It also leaves out fund charges and tax, so enter a return after the costs you expect. It can’t tell you whether daily or monthly investing will do better for you. Your amounts stay on your device.
If you would rather plan with one fixed amount each month, use the monthly SIP plan.
Read next
Frequently asked questions
Is a daily SIP better than a monthly SIP?
This tool can't tell you that. It uses one steady return, so it can't show how buying on many small dates compares with buying once a month. Real results depend on how prices move, plus any charges. Pick the one that fits how your money comes in. Daily can suit income that arrives daily, monthly can suit a salary. Compare both with the monthly SIP plan.
How much does a ₹100 daily SIP cost each month?
For a full month, between ₹2,800 and ₹3,100 if you invest every day, because months have 28 to 31 days. In Monday-to-Friday mode in 2027, a full month takes ₹2,000 to ₹2,300. Your first and last months may be shorter. The table "Money going in each month" shows the exact amount for your dates. Check that your lowest-income month can carry the highest figure.
How many contributions are there in a year?
It depends on the calendar. From 1 January to 31 December 2027 there are 365 if you invest every day and 261 on weekdays only. A leap year such as 2028 has 366 days. Weekday mode removes Saturdays and Sundays but not public or market holidays. Your fund or platform decides what happens on those days, so check with them.
Why does my last day's investment show no growth?
We count each payment as made at the end of its day. The value is measured at the end of your last day, so the last payment has no time left to grow. A payment made 364 days earlier grows for 364 days. At 12% a year, ₹100 paid on 1 January 2027 grows to about ₹111.97 by 31 December.
What if returns are negative?
Then you can end up with less than you put in. Enter a negative return to see it. For example, ₹100 every day through 2027 at −10% a year gives a projected ₹34,648 on ₹36,500 paid in, a loss of ₹1,852. The tool shows this as "Projected loss". A steady return is only a model, and real values can fall faster or recover.