About SIPcalculator.net
Free, accurate financial calculators built for Indian retail investors — no sign-up, no ads cluttering the tool, just numbers you can trust.
Our Mission
Personal finance in India is often buried under jargon, commission-driven advice, and tools that require you to create an account just to run a calculation. We built SIPcalculator.net to fix that.
Our goal is simple: give every Indian investor — whether they are investing ₹500 or ₹50,000 a month — the tools to understand exactly where their money is going and how much it can grow, without any friction.
Every calculator on this site is free, works instantly, and requires zero personal information. Your numbers stay on your screen — we never store them.
Our Free Tools
SIP Calculator
Compute the maturity value, total returns, and year-by-year growth of any monthly SIP. Enter amount, rate, and tenure — get results instantly with a downloadable table and chart.
Try CalculatorStep-Up SIP Calculator
Model an increasing SIP — where you raise your monthly contribution by a fixed percentage each year. See how annual step-ups of 10–20% dramatically boost long-term wealth.
Try CalculatorInflation-Adjusted SIP
Understand the real purchasing power of your maturity value after accounting for India's inflation rate. See nominal vs real value side by side with a dual-line chart.
Try CalculatorMutual Fund Comparison
Compare any two mutual funds head-to-head using live AMFI NAV data. See 1M / 3M / 6M / 1Y / 3Y / 5Y returns and an indexed NAV chart — all in one view.
Compare FundsArticles & Guides
In-depth articles on SIP investing — types of SIP, how to redeem, SIP vs RD vs FD, best funds to invest in, tax benefits, and tips for beginners.
Read ArticlesHow Our Data Works
Transparency in financial tools matters. Here is exactly where our data comes from:
-
SIP Calculations
Standard SIP formula: P × [(1 + r)ⁿ − 1] / r × (1 + r), where r is the monthly rate and n is total months. No rounding tricks, no hidden adjustments. -
Mutual Fund NAV Data
Fund search uses the official AMFI India NAV flat file (amfiindia.com) — the same source used by SEBI-regulated platforms. Historical NAV for charts and returns comes from the mfapi.in public API. -
Return Assumptions
Our SIP guides use 12% per annum as the benchmark — consistent with long-term Nifty 50 CAGR. We state this assumption clearly on every guide page. -
No Data Storage
Every calculation runs in your browser or on our server momentarily and is discarded. We do not store, sell, or share your inputs.
Why Trust Us?
- Independent & free — no commissions, no fund recommendations that benefit us financially.
- Transparent formulas — all SIP math uses the standard actuarial formula, not proprietary black-box models.
- Official data sources — AMFI India for fund NAV, not scraped or third-party aggregated data.
- Clear disclaimers — every result page states that calculations are illustrative and not investment advice.
- Zero data collection — no account, no cookies tied to your financial inputs, no PII stored.
Who Builds This?
Puja Kumari
Founder & Developer
Built SIPcalculator.net to make personal finance tools genuinely accessible to Indian investors — fast, free, and free of noise. The site started as a simple SIP calculator and has grown into a full suite of investment planning tools.
Important Disclaimer
SIPcalculator.net is an educational and informational tool only. All calculations are illustrative projections based on assumed rates of return. They do not constitute financial, investment, legal, or tax advice.
Mutual fund investments are subject to market risk. Past performance of any fund or index does not guarantee future returns. The 12% return assumption used in our guides is a benchmark — actual returns may be higher or lower depending on the fund, market conditions, and investment period.
Please consult a SEBI-registered investment advisor before making any investment decisions. SIPcalculator.net is not affiliated with AMFI, SEBI, or any mutual fund company.
