The story behind SIPfy
SIPfy was born in Hubli, a tier-2 city in northern Karnataka where financial literacy has historically lagged behind the metros. Bhanuprakash Sardesai spent the early part of his career watching intelligent, hardworking friends and family members make avoidable mistakes with their SIPs — stopping SIPs at the bottom of market cycles, switching funds based on last year's returns, treating SIPs as a "set and forget" magic wand without ever running the numbers. The pattern was always the same: people weren't making bad decisions because they were careless. They were making bad decisions because the tools available to them either hid the math or charged for the answer.
The existing landscape of SIP calculators in India fell into three categories, each with a fatal flaw. Bank and AMC calculators were technically accurate but pushed you toward that specific bank's or AMC's funds — the calculation was free, the upsell was constant. Aggregator platforms (Groww, Zerodha Coin, Kuvera, ET Money) had decent calculators but every result ended with a "start this SIP now" button that earned them a commission — fine in principle, but it meant their default assumptions (return rates, suggested funds) were quietly optimised for conversion rather than realism. Independent calculators were unbiased but usually opaque: you'd enter three numbers, get one number back, and have no idea what formula produced it or what assumptions were baked in.
SIPfy was built to fill that gap. Three principles guide every calculator and every article on the site. First, show the work — every calculator displays the underlying formula, every input has a sensible default with an explanation of why that default was chosen, and every result includes a year-by-year breakdown table so you can verify the math yourself. Second, no upsells — there is no "start this SIP now" button anywhere on SIPfy. We don't earn commissions from any fund house, we don't have a preferred platform, and we don't care which fund you ultimately choose. Our only revenue is display advertising (clearly labelled), which keeps the site free without biasing the math. Third, plain language — every concept starts with a one-line intuition, then layers in the math for readers who want depth. No jargon walls, no assumed knowledge, no condescension.
Why SIPs, specifically?
India has a savings problem and an investment problem, and they're not the same thing. Indians save aggressively — the household savings rate has historically been 25–30% of income, among the highest in the world. But the vast majority of those savings sit in fixed deposits, gold, and real estate, all of which barely beat inflation after tax. Equity participation in India is still under 5% of households, compared to over 50% in the United States. The single most effective tool for closing that gap, for the average salaried Indian, is the SIP — a low-friction way to convert monthly savings into long-term equity exposure with built-in rupee-cost averaging.
But SIPs only work if you actually understand them. Investors who treat SIPs as a black box tend to abandon them at the worst possible moment — when markets fall, when returns flatline for a year, when a friend's stock tip sounds more exciting than a boring monthly SIP. Investors who understand the math — who can run a year-by-year projection, who know what a 10% step-up does to a 20-year corpus, who have internalised that compounding rewards patience above all else — tend to stick with their SIPs through market cycles and capture the full upside. SIPfy exists to move every investor from the first category to the second.
What SIPfy does NOT do
Equally important is what SIPfy deliberately does not do. We do not recommend specific mutual funds. We do not earn commissions from any platform. We do not ask you to create an account. We do not store your calculation inputs on a server. We do not send promotional emails unless you explicitly subscribe to the weekly newsletter (and even then, you can unsubscribe with one click). We do not offer "premium" calculators behind a paywall. Every calculator, every article, every tool on SIPfy is free, forever, for everyone.
We also do not provide personalised financial advice. The calculators on SIPfy are educational tools that show you the mathematical implications of different inputs — they are not recommendations. A real financial advisor, ideally a SEBI-registered investment adviser, can look at your full financial picture (income, expenses, dependents, goals, risk tolerance, existing investments) and give you advice tailored to your situation. SIPfy gives you the numbers and the framework; a human advisor gives you the personalised judgement. You need both.
How SIPfy stays free
SIPfy is hosted on Cloudflare Pages's free tier — a genuinely 0-cost hosting platform that handles unlimited bandwidth and unlimited requests on the free plan. The code is pure HTML, CSS, and JavaScript with no server runtime, no database, and no native binaries, which means the site costs nothing to run no matter how many people use it. The only ongoing cost is the domain registration, which is a few hundred rupees a year. Display advertising through Google AdSense provides the revenue that covers that cost and funds continued development — every page has clearly labelled ad slots in five strategic positions, and we never let ad density compromise the reading experience.
This financial structure is intentional. It aligns our incentives with yours. We don't need to upsell you, because there's nothing to upsell. We don't need to push you toward high-commission funds, because we don't earn any commissions. We don't need to lock features behind a paywall, because there is no paywall. The only thing we need to do to keep the site running is provide enough value that you keep visiting, sharing, and recommending SIPfy — and that alignment is exactly what produces a tool you can actually trust.
Get in touch
If you have a question about a calculator, a suggestion for a new tool, a correction to an article, or just want to say hello — Bhanuprakash reads every message personally. Reach him at +91-9108752716 or brssardesai@gmail.com. If you're in Hubli and would like to attend one of his free SIP workshops (held quarterly at local colleges and community centres), drop a message and he'll add you to the invite list for the next session.
Financial literacy is not a luxury — it's a basic right. SIPfy is my small contribution to making it universally accessible.
Thank you for being here. Now go run a calculator and see what your SIP can become.