SIP Planner & SIP Calculator

Ankit Agarwal

Contains adsIn-app purchases

About this app

SIP Planner is a complete money planner for India — SIP, loans, PPF, Sukanya, tax, retirement and every major goal — in one clean, easy app. Every calculator updates as you type and tells you what the numbers mean, not just the numbers.

SIP & MUTUAL FUNDS
• SIP calculator: monthly SIP, lumpsum or both, with yearly step-up and inflation
• Find what you need: the SIP for a goal, the return needed, or the time it will take
• Compare SIPs: two or three SIPs side by side, with a clear verdict and growth chart
• My returns (XIRR): your real yearly return on a SIP, lumpsum or exact transactions, compared with an FD and inflation
• Fund explorer: browse funds by fund house or category and star your funds to track their daily NAV and change
• Direct vs regular: see what commission costs you over the years
• SIP delay cost, SIP + SWP, SWP and STP calculators

LOANS
• Loan EMI: find the EMI, loan amount, tenure or rate, with a year-by-year chart and full schedule
• Compare loan offers, including processing fees, to see which costs least overall
• Prepay or invest: should your extra money prepay the loan or go into a SIP? See both routes and the return a SIP needs to win
• Loan prepayment, home loan affordability and rent vs buy

PPF, SUKANYA & SMALL SAVINGS
• PPF and Sukanya Samriddhi passbooks with the official interest rules
• Plan deposits month by month, PPF loans, premature closure and extensions
• FD, RD and Post Office schemes (MIS, SCSS, KVP, NSC, TD, RD)

GOALS & RETIREMENT
• Retirement, child education, marriage, dream home, car, vacation and any goal
• EPF, NPS, gratuity, FIRE and emergency fund planners

TAX & MORE
• Income tax (old vs new regime), term insurance cover, compound interest, CAGR, inflation, stock average and smoking cost

SAVE, SHARE & EXPORT
• Save any plan and reopen it later to edit
• Professional PDF reports and Excel (.xlsx) files with full schedules
• Amounts shown in words (lakhs and crores) so large numbers are easy to read

Made for everyone: students, homemakers, professionals, investors and financial planners.

Have a suggestion? Email us from the app — we read every message. If SIP Planner helps you, please rate it on Google Play.

Disclaimer: SIP Planner is an educational tool. Results are estimates based on the values you enter and standard formulas; actual returns may differ. Mutual fund investments are subject to market risks. Please consult a financial advisor before making investment decisions.

Ratings and reviews

I’ve been using the SIP Calculator for a few years now, and it has been incredibly helpful in simplifying my financial planning. The app offers an intuitive interface that makes it easy to calculate potential returns on Systematic Investment Plans (SIP). I love how quickly I can input different investment amounts, time frames, and expected rates of return to see how my investments could grow over time.

Great app! All in one platform with almost all the finacial tools showing results in a very descriptive and easy to understand way. However, an improvement area is still there because of missing PPF calculator. Please include the PPF calculator, else this app is great!!

Calculator is very fine. But, once advertisement appears on Top, unable to press the next Button. If I go on landscape mode, entered data is missing and I have to re enter data. SIP+SWP Calculator is not working

What’s new

Expense ratio, expanded — Your fund's expense ratio now factors into SWP and STP plans too, not just SIP and Lumpsum.
See the real cost, in rupees — Your plan summary now shows exactly what the expense ratio costs you over the full plan, right alongside the numbers — not just a lower percentage.
Fixed a crash affecting ad loading on some Android 14 devices, plus other stability improvements.
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