SIPly brings together 12+ accurate SIP calculators and a plain-language knowledge hub — so you can plan a monthly SIP, model a step-up, compare lump sum, or build a retirement corpus through Systematic Investment Plans. Every tool shows the formula, assumptions, and a year-by-year breakdown so the result is transparent, not magic.
Every SIP calculator on SIPly shows the underlying formula, the assumptions used, and a full year-by-year breakdown so you understand the result rather than trust a magic number. Whether you're starting your first ₹500 monthly SIP, modelling a 10% annual step-up, or planning retirement withdrawals through SWP — there's a calculator built specifically for that question.
Project your monthly SIP corpus with expected returns, tenure, and step-up. See exactly how compounding turns small monthly amounts into long-term wealth — the foundational SIP calculator every investor should run first. Includes a year-by-year breakdown table, an investment-vs-returns donut chart, and a save-to-browser feature.
Open calculator → Game-changerModel annual top-ups (5%, 10%, 15%) on your monthly SIP and see how a small annual increase doubles your final corpus without doubling your effort.
Open calculator →Compare monthly SIP investing against a one-time lump sum — same return, same period, real numerical difference.
Open calculator →Tell us your target corpus and goal year — get the exact monthly SIP needed today to reach it.
Open calculator →Track the actual XIRR and absolute returns of an existing SIP using real transaction dates.
Open calculator →Plan monthly withdrawals from your accumulated SIP corpus in retirement without running out.
Open calculator → Eye-openerQuantify how much a 5-year delay in starting your SIP actually costs your future corpus.
Open calculator →Compare two or three SIP scenarios side by side — different amounts, tenures, or returns.
Open calculator →Compare monthly vs annual top-up amounts and find the optimal step-up strategy for your goal.
Open calculator →Plain-language SIP explainers that start with intuition, then layer in the math — written for first-time SIP investors and seasoned earners alike. Every article is reviewed against current SEBI norms, AMC fund factsheets, and Income Tax rules before it goes live, so the guidance stays trustworthy even when the market doesn't.
A step-by-step walkthrough for absolute beginners — pick a fund, set the date, automate the debit, and watch compounding begin. Includes a flowchart of the KYC process.
A 10% annual step-up on a ₹10,000/month SIP grows your 20-year corpus from ₹98L to ₹1.78Cr — without you noticing the increase. We model three step-up scenarios.
We model ₹1 lakh invested three ways — SIP, lump sum, and step-up SIP — and explain why the answer depends more on your psychology than the math.
Millions of people use SIPly because every tool and every article is designed around four simple promises. We don't believe in black-box calculators that spit out a number with no explanation — every SIPly result shows its work.
Every SIP calculator shows the formula, assumptions, and a year-by-year breakdown so you understand the result, not just trust a magic number.
SIP calculators and guides are reviewed against current SEBI norms, AMC fund factsheets, and Income Tax rules before they go live.
No jargon walls. Each SIP concept starts with a one-line intuition, then layers in the math for readers who want depth.
Every SIP calculator and every article is free to use. No paywall, no email wall, no premium tier hidden behind a login.
SIPly was started by Bhanuprakash Sardesai, a financial educator from Hubli, Karnataka, on a simple mission: make SIP investing understandable for every Indian. Read the full story →
Pick your first SIP calculator, or browse a guide. No sign-up, no paywall — just the numbers and the explanation behind them.