Fill details above and click Calculate
| # | Date | Days Invested | SIP Amount | Invested So Far | Portfolio Value | Gain / Loss |
|---|
Most standard SIP calculators assume every month has exactly 30 days. But in reality, months have 28 to 31 days, and your money starts compounding from the exact date you invest.
Our SIP Calculator Time in Days and Years solves this problem. It uses the actual number of calendar days between each SIP installment, applies daily compounding, and gives you a much more realistic projection of your mutual fund returns.
Why Time in Days Matters in SIP Calculations
Each SIP installment earns returns from its specific investment date. Standard monthly calculators ignore the difference between 28, 30, or 31 days in a month. Over 10–20 years, these small differences can significantly affect your final corpus.
This calculator counts exact calendar days for every installment and uses the formula:
Maturity Value of one installment = SIP Amount × (1 + r/365)^days
where r is your expected annual return rate.
Who Should Use This SIP Calculator?
- Beginners who are starting their first SIP
- Investors who want more accuracy than regular SIP calculators
- People using Step-Up SIP (increasing SIP every year)
- Investors comparing different start dates or investment periods
- Long-term investors planning for 5+ years
How to Use This SIP Calculator
- Enter your Monthly SIP Amount
- Choose your Expected Annual Return % (10–15% is common for equity funds)
- Select mode: By Date Range (recommended) or By Duration in Years
- Enter SIP Start Date and End Date (or number of years)
- Optionally add Step-Up % (annual increase in your SIP)
- Click “Calculate SIP Returns” to see detailed results
Key Features of This Calculator
- Uses exact calendar days instead of fixed 30-day months
- Daily compounding for higher accuracy
- Supports Step-Up SIP
- Two input modes: Date Range and Duration in Years
- Month-wise detailed breakdown table
- Visual donut chart showing gains vs invested amount
- Approximate XIRR calculation
What is XIRR in SIP?
XIRR (Extended Internal Rate of Return) is the most accurate way to measure SIP returns. It considers the exact date and amount of every installment you make. This calculator provides an estimated XIRR so you can understand your true annualized return.
Related Terms Explained
- Daily SIP Calculator: Calculates returns when you invest every single day.
- Step Up SIP Calculator: Shows the benefit of increasing your SIP amount every year to beat inflation.
- SIP Calculator with Date: Uses your actual start and end dates instead of just number of years.
- Per Day SIP Calculator: Focused on very small daily investments.
- SIP Calculator in Months / Years: Traditional calculators that use fixed months (less accurate).
- One Time SIP Calculator / Lump Sum Calculator: For single large investments instead of regular monthly SIP.
- SIP Calculator Time in Days with Inflation: Helps you factor in rising costs over time.
Benefits of Using Exact Days SIP Calculator
This tool is especially useful if you want to:
Understand the real power of compounding and step-up SIP
Plan SIP around your salary credit date
Compare different mutual fund schemes
Get precise projections for goals like retirement, child education, or buying a house