Gold SIP Calculator
See how much 24K gold a small, regular amount can build for you.
Watch your gold stack up.
Saving that runs on autopilot.
Set it once
Choose an amount and how often. It is collected automatically from your linked UPI or bank account, with no reminders and no manual transfers.
Gold lands in your vault
Each payment buys 24K gold at that day’s live rate, after the standard 3% GST. Buy on a dip and you get more grams; over years, that averages out.
Make your gold do more
Lease it to earn up to 16% p.a., sell it anytime, or redeem physical coins delivered to your door. No lock-in, ever.
Small and steady beats perfect timing.
Both routes buy the same gold. The difference is how much your outcome depends on picking the right day.
Buy it all at once
- Best possible outcome if you buy at a low
- Your entire holding is priced on one day
- Needs a large amount ready upfront
- A bad entry can take years to recover
Buy a little, often
- Purchases spread across many prices
- Dips automatically buy you more grams
- Starts from ₹10, no capital needed
- Runs on autopilot, no decisions to make
From small steps to a golden habit.
Planning a shared future
A wedding, a first home, a life being built together. Accumulate grams quietly over years instead of facing one enormous bill at the end.
A head start for your child
Start small while they are young and let a decade of contributions do the work. Education, a wedding, a first step, ready when they need it.
A hedge beside equity
Hold a slice in gold alongside stocks and funds, accumulated on the same monthly rhythm as the rest of your portfolio.
What people ask before starting
A gold SIP is a plan to buy 24K digital gold through small, regular contributions instead of one lump sum. You choose an amount and a frequency, and each contribution buys gold at that day’s rate, so your purchase price averages out over time rather than resting on a single day.
A 3% GST applies to every digital gold purchase in India. It is deducted from each contribution before the rest is converted into grams, so your gold is based on the amount after tax. The calculator already accounts for this.
You can start from as little as ₹10 per contribution. There is no minimum tenure and no lock-in, so you can sell your gold or redeem it as physical coins whenever you like.
A SIP spreads your purchases across many different prices, so you avoid committing everything at a single high rate. A lump sum can do better if you happen to buy at a low, but that requires timing the market correctly, which is the part most people get wrong.
Yes. A gold SIP can be paused, resumed, edited or cancelled at any time from the app. The gold you already own stays in your vault regardless.
No. The price growth setting is an illustrative scenario, not a forecast. It applies a fixed annual rate to today’s price so you can see one possible outcome. Real gold prices move unevenly and can fall, and the projection excludes selling costs and any applicable taxes.
Start with what you won’t miss.
Set up your gold SIP in under a minute, from ₹10, with no lock-in and no making charges.
This calculator is a planning tool. Contribution amounts include 3% GST, which is deducted before gold is purchased; actual purchases use the live 24K rate on each SIP date, so the grams you receive will differ. The price growth option shows an illustrative scenario at a fixed annual rate. It is not a historical return, a forecast, or a guarantee, and it excludes selling costs and taxes.
Plan updated. ₹5,000 every week, approximately 98.67 grams, projected value ₹27,93,061 at 8% annual price change.