Why a separate calculator for every SIP question?
SIPs look deceptively simple — pick a monthly amount, pick a fund, set up an auto-debit, and let compounding do its thing. But the moment you start planning real financial goals, the questions multiply fast. How much do I need to invest monthly to reach ₹2 crore by age 50? What if I increase my SIP by 10% every year? What if I had started five years earlier? Should I invest a lump sum now or stagger it as a SIP? Each of these questions needs a slightly different calculator because each involves a different formula or a different combination of inputs. That's why SIPfy offers twelve dedicated SIP calculators instead of one generic tool — every question gets the right math.
Each calculator on this page is built around three principles. First, transparency: every result shows the underlying formula, the assumptions used, and a full year-by-year breakdown so you can verify the math yourself rather than trusting a black box. Second, accessibility: sliders for the common inputs, sensible defaults based on historical mutual fund returns, and mobile-friendly layouts that work as well on a phone as on a desktop. Third, privacy: every calculation runs entirely in your browser. There's no server-side processing, no database storing your inputs, no account required. The "save calculation" button writes to your browser's local storage — the data never leaves your device.
Which SIP calculator should I use first?
If you're new to SIPs, start with the SIP Calculator — it answers the most basic question: "If I invest ₹X every month at Y% for Z years, how much will I have?" Plug in 12% expected return (a moderate equity fund assumption), 20 years, and a monthly amount you can comfortably afford, and watch the magic of compounding unfold in the year-by-year table. Most first-time users are genuinely surprised by how large the final corpus is relative to the total amount invested — a ₹10,000 monthly SIP for 20 years at 12% turns ₹24 lakh of invested capital into nearly ₹99 lakh.
Once you've internalised the basic SIP math, the Step-up SIP Calculator is the next must-run tool. A step-up SIP is simply a SIP where you increase the monthly amount every year — usually by 5%, 10%, or 15% — to keep pace with your salary growth. The impact on the final corpus is dramatic: a 10% annual step-up on a ₹10,000 monthly SIP over 20 years grows the corpus from ₹99 lakh to ₹1.78 crore. That's nearly a 2× outcome for an increase you barely feel year-on-year.
The calculators that change how you think about SIPs
Beyond the basic and step-up calculators, three tools on this page tend to fundamentally change how investors think about SIPs. The SIP Delay Cost Calculator shows you the exact corpus gap between starting today versus starting in 1, 3, 5, or 10 years — a five-year delay on a ₹10,000 monthly SIP at 12% over 20 years costs roughly ₹41 lakh in future wealth, which is more than the total amount you'd invest in those five years. The SIP Goal Planner inverts the question: instead of "what will I get?", it asks "what do I need?" — you set a target corpus and goal year, and it computes the required monthly SIP. The SIP SWP Calculator shows the flip side of accumulation — how to turn a large corpus into a predictable monthly income stream in retirement without running out of money.
Together, these twelve calculators cover the entire SIP lifecycle: planning, accumulation, growth, comparison, tracking, and withdrawal. Whether you're 22 and starting your first job, 35 and juggling a home loan with retirement planning, or 55 and thinking about how to draw down your corpus — there's a SIPfy calculator built specifically for your situation. Run them, save the results, revisit them every year, and let the math guide your decisions.
The investor's chief problem — and even his worst enemy — is likely to be himself. A calculator won't fix that, but it will give you the numbers to argue with your emotions.
Every calculator on this page is free, forever, with no sign-up required. If you find a bug, want a feature added, or have a question about how a formula works, reach out — Bhanuprakash reads every message personally. For deeper reading on SIP strategies, taxation, and fund selection, browse the SIPfy blog or check the complete SIP FAQ.