SIP Calculator: Invest & EMI

Before you commit to a SIP, a loan or a fixed deposit, you want the number in front of you — in rupees, under Indian rules, without opening an account anywhere.

SIP Calculator brings ten of them into one offline app: investments, loans, deposits and popular long-term savings schemes.

What you can work out
• SIP — forecast Systematic Investment Plan returns over any time horizon
• Lumpsum — project the growth of a one-time mutual fund investment
• EMI — the monthly Equated Monthly Instalment on home, car and personal loans, with the interest breakup
• FD — Fixed Deposit maturity amount, before you commit the money
• RD — Recurring Deposit returns, month by month
• PPF — Public Provident Fund returns across the full 15-year term
• NPS — National Pension System corpus and pension estimate
• Sukanya Samriddhi — plan a daughter's education and future
• Income Tax — estimate your liability under the latest Indian tax slabs
• Loan eligibility — an estimate of the loan size your income supports

Built for India
• Works in ₹, with Indian tax slabs and popular savings schemes built in
• Every calculation runs offline — no internet connection needed
• Results in seconds

Compare a SIP against a fixed deposit, check whether an EMI fits the month, or estimate your retirement corpus — without switching between apps to do it.

Who it is for
• First-time investors starting a SIP
• Home, car and personal loan borrowers
• Savers comparing FD, RD and PPF
• Anyone planning retirement through NPS

No account. Every calculation happens on your device. Nothing is uploaded, and no sign-up is needed to start.

Important disclaimer
SIP Calculator is an independent planning tool. It is NOT affiliated with, endorsed by, or representing the Government of India, any government department, bank, fund house or regulator. Scheme details (PPF, NPS, Sukanya Samriddhi, Income Tax, etc.) are shown only for general information and estimation. Every figure is an estimate based on the rates and amounts you enter — not investment advice, and not an offer of credit.

Official government sources — always verify current rates and rules:
• PPF, Sukanya Samriddhi, SCSS (National Savings Institute): https://www.nsiindia.gov.in
• National Pension System (PFRDA): https://www.pfrda.org.in
• Income Tax Department: https://www.incometax.gov.in
• Post Office savings schemes (India Post): https://www.indiapost.gov.in

Questions? officialrjappstudio@gmail.com

Recent changes:
Bug fixes and performance improvements.