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sip calculatorPrefer investing every week instead of once a month? This dedicated weekly SIP calculator helps you estimate how those small payments could grow over time.
A weekly SIP calculator is an investment tool that shows how your weekly SIP instalments would grow in the future. It estimates the future value based on your expected rate of return and investment duration.
Instead of the monthly amount, you enter your weekly SIP instalment amount. The weekly SIP calculator almost instantly tells you what that investment would be worth by the end of your last instalment. However, the final value given by the calculator is just an estimate. The actual value may differ as mutual fund returns are linked to the market.
If you directly plan to invest ₹10,000 every month, it may seem like a lot. But if you break it down into 4 weekly instalments of ₹2,500 each, that sounds more manageable. You may also wonder how investing in a weekly SIP affects your returns compared with monthly payments. That’s exactly why you should use this calculator along with the monthly SIP calculator to choose your plan better.
A weekly SIP would benefit the following kind of investors:
Weekly investing requires a weekly SIP return calculator to accurately project the investment's future value. It takes into account the amount of money you invest every week, the expected rate of return, and the time period of this investment. You may ask, why not total my amount for the month and just use a monthly SIP calculator? The reason is that each purchase within the month must be compounded separately, which a monthly SIP calculator cannot account for in this style of investing. The only difference, though, is the investment frequency. The rest of the process remains the same.
Let us say that you want to calculate the future value of your investment of ₹500 per week 25 years from now.
On the right, you will see that your total investment amount of ₹6,50,000 has grown into a future value of ₹41,29,693. If you input the same total monthly amount of ₹500 per week (₹2,000 a month) into a monthly SIP calculator with the same variables, you will see a slightly different outcome. This is because each purchase compounds separately, causing a slight difference in returns between a weekly and monthly SIP.
Both weekly and daily SIPs help you invest systematically in short intervals. Here’s a quick comparison between the two that helps you understand each better:
| Particulars | Weekly SIP | Daily SIP |
|---|---|---|
| Investors | Better for freelancers, students, irregular income earners, or short-term budget-discipline investors. | Better for gig workers, students, or anyone looking to build a small daily savings habit. |
| Cost Average | Slightly broader averaging that sits somewhere between the daily and monthly SIP. | Smoothest averaging, capturing maximum price points in a year. |
| Taxation Tracking | Much lower volume of transactions (roughly 4 every month, 52 a year). | Highest number of transactions (roughly around 22 every month, 264 a year). |
| Suitable Funds | Better for investing in high-beta funds (small-cap, mid-cap, and thematic). | Better for investing in volatile funds like micro-cap or small-cap. |
More than choosing the perfect frequency, getting started is important. At the end of the day, it all comes down to how you prefer managing your money and tracking your investments. For better understanding, you can use the daily SIP calculator along with the weekly. It shows how your money grows based on your daily or weekly payments.
Starting a weekly SIP on Millions is simple and takes just a few minutes:
That’s it. If you are just beginning your investment journey, it is not advisable to go off chasing funds with exorbitant past returns. Start small, choose funds lower on the risk meter and educate yourself on the various investment options available. Gradually refine your asset allocation and grow your portfolio steadily.
Some mutual fund schemes let you invest as low as ₹500 weekly. The investment requirement differs from scheme to scheme, but the investment amount is much lower than what most people expect.
Yes. ₹500 is sufficient to invest in a weekly SIP in most mutual funds. You might think it sounds a little small now, but you can use a weekly SIP calculator to see how compounding has its own say.
Yes, you can end your regular monthly SIP investment and continue with weekly SIP investments on the same mutual fund scheme.
Yes. You're not restricted to just one SIP. Several systems let you run both weekly and monthly SIPs on the same mutual fund plan.
Yes, you can consider investing in a weekly as well as a monthly SIP for one mutual fund scheme. A person is allowed to create several SIPs using the same folio account, where each SIP has a different amount and date of investment.
Weekly SIPs enter the market more often, which means that your investment gets into the market at various prices. You can get an edge with rupee cost averaging. But consistency counts much more than how often you invest.
A weekly SIP investment can play a more effective role by spreading investments across market movements. However, this could only lead to slightly better rupee cost averaging. It is always important to remain invested rather than to try to time every market movement perfectly.
A weekly SIP is able to make approximately 52 instalments per year. This number may differ based on public holidays and fund processing timeframes.
No. The taxation depends upon the kind of mutual funds and the holding period of the funds, irrespective of the frequency of the SIPs. Whether weekly or monthly, all SIP schemes have the same tax laws applicable.
Yes. Almost all platforms enable you to pause, edit, or end your SIP anytime you like. But ending it too often will disrupt the compounding effect.
No. Over the long run (7 years or more), returns tend to be similar. View a weekly SIP as a tool to help you stay invested with regular purchases, not as a tool for higher returns.
If your scheduled purchase falls on a day that the markets are closed, the transaction is completed on the next business day with that day’s closing net asset value (NAV).
Your SIP purchase will simply not go through on this date, and the mutual fund house will not charge any penalty. If this recurs twice in a row, the SIP mandate may get cancelled. However, you must keep an eye out for any bank charges for a failed auto-debit transaction.
Yes, most mutual fund houses allow you to modify your investment amount. You can even change the investment date, or pause and restart your SIP at will.
Any redemptions made in your weekly SIP must follow the first-in, first-out (FIFO) method. Each batch of units purchased is treated separately. If the holding period of the batch sold is more than 12 months, treat the profit as long-term capital gains (LTCG). If it is held for less than 12 months, treat the profit as short-term capital gains (STCG).
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