About SIPCalculator.app
An independent, private financial calculator created to bring clarity, honesty, and precision to Indian mutual fund investors.
1. Mathematical Transparency
Most online financial tools treat compounding formulas as a "black box". Many commercial apps use nominal rate division (R/12) to make projected returns look larger. We expose every formula, offer toggles between Effective CAGR and Nominal rates, and document all underlying compounding assumptions.
2. 100% Private (No Account Needed)
Your financial goals and monthly savings are strictly your private business. Everything calculates directly in your browser. We do not require signups, phone numbers, or track your data.
3. Zero Commercial Conflicts
We are not a mutual fund distributor, stockbroker, or asset management company. We do not earn commissions on scheme recommendations, push regular plans, or gate financial utilities behind lead-capture walls.
4. Realistic Wealth Planning
A nominal future corpus loses purchasing power if inflation is overlooked. We equip Indian savers with inflation-discounted projections, annual salary-linked step-up calculators, and reverse goal solvers to plan for life's real financial milestones.
Our Calculation Standards
All mathematical models deployed on this platform are independently derived and validated against standard financial literature and SEBI / Association of Mutual Funds in India (AMFI) regulatory benchmarks.
- Default Return Convention: Effective Annual CAGR where monthly rate
i = (1 + R)^(1/12) - 1, matching AMC practices. - Cash Flow Timing: Annuity Due (payments credited at month beginning), reflecting standard auto-debit bank mandates.
- Rounding Integrity: Calculations are mathematically exact and rounded to the nearest integer rupee without rounding drift.
Project Leadership & Independence
SIPCalculator.app is independently conceptualized and architected by Chirag Thakor. It is dedicated to mathematical transparency, client-side privacy, and honest financial projections for retail investors across India.