Daily SIP Calculator: How ₹100 Daily Can Build Long-term Wealth Over Decades
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Building wealth doesn’t always require large sums or high-risk strategies. According to experts, even small daily investments, if maintained with discipline over time, can create substantial long-term wealth. This is particularly true with the help of a Systematic Investment Plan (SIP), where investing just ₹100 per day — roughly the price of a cup of coffee — can potentially yield a retirement corpus in the range of ₹90 lakh. With the power of compounding and consistent returns, SIPs offer a practical and accessible path to long-term financial growth.
Experts suggest that this daily approach builds investing discipline without putting strain on monthly budgets. Automation ensures consistency while allowing flexibility.
However, experts advise treating SIPs as a long-term tool rather than a savings account. Patience and consistency play a bigger role in achieving growth through compounding.
This tenure is ideal for medium-term goals such as building an emergency fund, a child’s school education, or even a future travel plan.
Financial planners say that a 20-year SIP suits goals like children’s higher education, buying a house, or financial independence before retirement.
Such a long-term investment strategy is particularly effective for retirement planning, and with just ₹3,000 a month, it becomes accessible to even first-time or low-income investors.
More importantly, the longer your money stays invested, the greater the compounding benefit — often referred to as the 'eighth wonder of the world'.
The journey of wealth creation doesn’t need to start with lakhs. It can begin with ₹100 a day. Daily SIPs offer not only accessibility and discipline but also long-term potential that rivals many traditional saving tools. Whether your goal is short-term liquidity or a long-term financial cushion, staying invested and consistent makes all the difference.
Disclaimer: This article is for informational purposes only. Mutual fund investments are subject to market risks. Please consult a certified financial advisor before making any investment decisions.
What Is a Daily SIP and Who Should Consider It?
A daily SIP is an automated way of investing a fixed amount — in this case ₹100 — every trading day into a mutual fund. It’s a variant of the more common monthly SIPs and is particularly useful for individuals with irregular income streams, such as freelancers, small business owners, and gig workers. It also suits those who prefer smaller, manageable contributions spread out over time rather than saving a lump sum each month.Experts suggest that this daily approach builds investing discipline without putting strain on monthly budgets. Automation ensures consistency while allowing flexibility.
Accessibility and Liquidity of Daily SIPs
One of the biggest advantages of SIPs is their low entry barrier. Many funds allow you to start with as little as ₹100 per day, making mutual fund investment far more inclusive. Daily SIPs also offer liquidity, though investors should be aware of potential exit loads or fees if they redeem investments early. That said, the flexibility to withdraw funds — subject to fund-specific terms — is a key reason why SIPs are appealing to small investors.However, experts advise treating SIPs as a long-term tool rather than a savings account. Patience and consistency play a bigger role in achieving growth through compounding.
₹100 Daily SIP: How It Grows Over 10 Years
If you invest ₹100 every trading day, your total contribution over 10 years would be around ₹3.65 lakh. Assuming an annual return of 12%, your corpus could grow to an estimated ₹6.78 lakh. That’s nearly double the amount you’ve invested, thanks to compound interest working in your favour.This tenure is ideal for medium-term goals such as building an emergency fund, a child’s school education, or even a future travel plan.
Wealth Creation Over 20 Years with Daily SIP
Stretch the same daily investment over 20 years, and the numbers start to look even more impressive. The total investment of ₹7.3 lakh could potentially grow to ₹27.85 lakh. This massive leap shows how time, rather than the investment amount alone, is the real driver of wealth.Financial planners say that a 20-year SIP suits goals like children’s higher education, buying a house, or financial independence before retirement.
How ₹100 a Day Can Build a ₹93 Lakh Retirement Corpus
If you remain invested for 30 years, your daily ₹100 SIP — totalling ₹10.95 lakh — could potentially yield a corpus of around ₹93.28 lakh, assuming a steady return of 12% per annum. That’s a remarkable ₹82 lakh in gains on a relatively small principal.Such a long-term investment strategy is particularly effective for retirement planning, and with just ₹3,000 a month, it becomes accessible to even first-time or low-income investors.
Why Time Matters More Than Timing
Investing experts constantly highlight that staying invested is more powerful than trying to time the market. SIPs, especially daily ones, remove the guesswork and reduce emotional investment decisions. With consistent investments, rupee cost averaging kicks in, lowering your average purchase price over time.More importantly, the longer your money stays invested, the greater the compounding benefit — often referred to as the 'eighth wonder of the world'.
The journey of wealth creation doesn’t need to start with lakhs. It can begin with ₹100 a day. Daily SIPs offer not only accessibility and discipline but also long-term potential that rivals many traditional saving tools. Whether your goal is short-term liquidity or a long-term financial cushion, staying invested and consistent makes all the difference.
Disclaimer: This article is for informational purposes only. Mutual fund investments are subject to market risks. Please consult a certified financial advisor before making any investment decisions.
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