Every calculator on SIP₹y has been designed with three principles in mind: accuracy, speed and honesty. Accuracy means we use the same mathematical formulas SEBI-registered advisers use — the future value of annuity formula for SIPs, the compound interest formula for lumpsum, and the inflation-adjusted present value formula for retirement planning. Speed means every calculation happens in your browser, instantly, with no server round-trips and no login walls. Honesty means we do not try to push you toward any specific fund, distributor or product. The numbers you see are the numbers you get.
Each calculator is built mobile-first, with large touch-friendly sliders, live-updating results and clear visual breakdowns of how much you invest versus how much your money earns. We show you both the absolute rupee amount and a percentage split, because numbers without context are meaningless. Where relevant, we also display a year-by-year growth chart so you can see exactly how compounding accelerates in the later years of your SIP.
A note on expected returns: please use realistic assumptions. For Indian equity mutual fund SIPs, 10–12% is a sensible long-term expectation; 8% is conservative; 15%+ is optimistic and should only be used for scenario modelling, not actual planning. For debt funds, use 6–7%. For inflation, use 6% as a long-term Indian average, 5% if you are optimistic. Garbage in, garbage out — your plan is only as good as your assumptions. Always pair the SIP Calculator with our Inflation Calculator to compute real (inflation-adjusted) returns, not just nominal returns. A ₹1 crore corpus in 20 years will have the purchasing power of only ₹31 lakh today — that reality check matters.
Our calculators are also designed for transparency: every input is visible, every assumption is editable, and every output can be replicated by hand if you wish. We do not hide behind proprietary algorithms or "smart" recommendations. The math is the math — and we believe you deserve to see it clearly. If you spot an error or have a suggestion for improving a calculator, please write to brssardesai@gmail.com with the calculator name and the issue. We treat corrections as a top priority.
Finally, remember that calculators are decision-support tools, not crystal balls. Markets will fluctuate, tax rules will change, your income will evolve, and life will throw surprises. The right way to use these calculators is to revisit them once a year, update your inputs with reality, and adjust your SIPs accordingly. Discipline beats prediction every single time. The investor who runs the numbers annually and stays the course for 20 years will outperform 95% of investors who try to predict the market perfectly.
If you are new to SIP investing, we recommend starting with the SIP Calculator to project your monthly SIP's future value, then moving to the Goal SIP Calculator to reverse-engineer the monthly SIP needed for a specific goal. For retirement planning, use our Retirement Calculator with inflation built in. For understanding why starting early matters, the SIP Delay Calculator is eye-opening. Pair each calculator with the relevant knowledge article and blog post for a complete learning experience.