About
An honest set of SIP tools, built by an independent developer — not a broker.
Most SIP calculators are run by platforms that earn when you open an account or buy a fund. That gives them a quiet incentive to show the biggest, most flattering number: pre-tax, pre-inflation, nominal. The figure looks impressive on the screen and sets an expectation the real world rarely meets.
This site sells nothing. There is no demat account to open, no fund to buy, no “invest now” button waiting at the end. That freedom lets us show the figures a sales funnel would rather you didn't dwell on: what tax takes, what inflation erodes, and what your money is really worth in today's rupees.
Three things set these tools apart from the typical calculator. First, every projection is shown three ways — nominal, post-tax, and inflation-adjusted — so you see not just the headline corpus but what you actually keep and what it will buy. Second, we use the mathematically correct geometric monthly rate, (1+r)^(1/12)−1, rather than the simpler r/12 shortcut that quietly inflates results. Third, the post-tax figure applies the current equity LTCG rules (12.5% on gains above ₹1.25 lakh per financial year, 2024–25 regime), which most calculators skip entirely.
This is an educational tool, not a financial adviser. sipcalculatorhub.com is not a SEBI-registered investment adviser and gives no personalised advice. The calculators answer “what does the maths say, given these assumptions?” — they cannot tell you which fund to pick, when to invest, or whether a SIP suits your situation. Those decisions depend on your finances, goals and risk tolerance, and are worth discussing with a registered adviser.
The site is supported by unobtrusive advertising, not by selling your data or steering you toward products. Calculations run entirely in your browser; your inputs are never sent to our servers. That model is deliberate — it keeps the numbers honest, because we have nothing to gain from flattering them.
Every formula we use is written out, with worked assumptions, on the methodology page. If you ever think a figure is wrong, the contact page tells you how to reach us — include your inputs and we'll check them against the stated method.