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 the government schemes India actually runs on.

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 FY 2025-26 slabs ← see below, do not paste as-is
• Loan eligibility — an estimate of the loan size your income supports

Built for India
• Works in ₹, with Indian tax slabs and government 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 ads. No account.
Every calculation happens on your device. Nothing is uploaded, and no sign-up is needed to start.

Disclaimer
SIP Calculator is an independent planning tool, not affiliated with any bank, fund house or regulator. Every figure is an estimate based on the rates and amounts you enter — not investment advice, and not an offer of credit. Confirm current scheme rates and tax slabs before acting on a number.

Whether you are starting your first SIP, comparing loan options or planning long-term savings, every calculator you need is in one place.

Questions? officialrjappstudio@gmail.com