SIP Calculator: Save just ₹100–200 daily and build a fund of up to ₹40 lakh; see the full calculation here..

Daily Mutual Fund SIP Calculator: We often think that a large sum of money is required to start investing. However, the reality is that even small daily savings can make you wealthy over the long term. By saving ₹100 or ₹200 daily—money otherwise spent on tea, snacks, or pocket expenses—and investing it in a daily mutual fund SIP, you can build a substantial corpus over the next 10 to 15 years.

Let’s understand how much money can be accumulated over 10 and 15 years with daily SIPs of ₹100 and ₹200.

1. The math behind a ₹100 daily SIP

If you save ₹100 daily, your total monthly investment (based on a 30-day month) will be ₹3,000.

Total invested amount over 10 years: ₹3,60,000

At a 12% annual return: The total value after 10 years will be approximately ₹6,97,017. This results in a gain of ₹3,37,017.

At a 15% annual return: The total value after 10 years will be approximately ₹8,35,968. This results in a gain of ₹4,75,968.

Total invested amount over 15 years: ₹5,40,000

At a 12% annual return: The total value after 15 years will be approximately ₹15,14,272. This results in a gain of ₹9,74,272.

At a 15% annual return: The total value after 15 years will be approximately ₹20,17,631 (i.e., over ₹20 lakh). This results in a gain of ₹14,77,631.

2. The math behind a ₹200 daily SIP

If you increase your daily savings slightly to ₹200, your monthly investment will become ₹6,000. Total invested amount over 10 years: ₹7,20,000

At a 12% annual return: The total value after 10 years will be approximately ₹13,94,034. (Gain: ₹6,74,034)

At a 15% annual return: The total value after 10 years will be approximately ₹16,71,936. (Gain: ₹9,51,936)

Total invested amount over 15 years: ₹10,80,000

At a 12% annual return: The total value after 15 years will be approximately ₹30,28,544. (Gain: ₹19,48,544)

At a 15% annual return: The total value after 15 years will be approximately ₹40,35,262 (i.e., over ₹40 lakh). (Gain: ₹29,55,262)

Complete calculation for a daily SIP of ₹100–₹200

Save just ₹100–₹200 daily and build a fund of up to ₹40 lakh; see the full calculation here.

Benefits of small savings and daily SIPs

Saving ₹100 or ₹200 daily is very easy for students, salaried individuals, or small shopkeepers. It places no strain on the budget. With a lighter burden on your pocket, you can sustain this practice over the long term. Notably, the fund value more than doubles when the investment period extends from 10 years to 15 years. The longer you stay invested, the faster your money grows.

Daily investing offers the benefit of 'Rupee Cost Averaging.' This means you acquire more units when the market falls and fewer when it rises, thereby balancing out your average investment cost.

Disclaimer: This content has been sourced and edited from Money Control. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.