Our Mission
To give every Indian investor the complete, honest picture — inflation, taxes, expense ratios and all — so they can make financial decisions based on reality, not rosy projections.
The Problem We're Solving
Open any popular SIP calculator in India. Enter ₹10,000/month, 12% return, 20 years. It tells you: ₹99.9 Lakh corpus. Sounds amazing, right?
Here's what it doesn't tell you:
- 💸 LTCG Tax: You'll owe 12.5% tax on gains above ₹1.25 lakh per year — reducing your take-home significantly
- 📉 Inflation: At 6% annual inflation, that ₹99.9 lakh in 2044 is worth only about ₹31 lakh in today's money
- 🏦 Expense Ratio: A 1% expense ratio silently reduces your 12% return to 11% — costing you lakhs over 20 years
Financial influencers on YouTube and Instagram routinely show the big nominal number. We think you deserve the real one.
Example: A ₹10,000/month SIP at 12% for 20 years shows ₹99.9L nominal. After LTCG tax and 6% inflation, the real value in today's purchasing power is closer to ₹28–32 lakh. That's still great — but it's the truth you need to plan with.
How We Compare
| Feature | Other Calculators | SIPtruth.com |
|---|---|---|
| Basic SIP Calculation | ✅ Yes | ✅ Yes |
| LTCG Tax Impact | ❌ Hidden | ✅ Shown clearly |
| Inflation-Adjusted Returns | ❌ Ignored | ✅ Always visible |
| Expense Ratio Input | ❌ Not available | ✅ Adjustable slider |
| Step-Up SIP Modelling | ⚠️ Rare | ✅ Built-in |
| SIP vs Loan Comparison | ❌ Not available | ✅ Dedicated tool |
| WhatsApp-Shareable Result | ❌ Not available | ✅ One tap share |
| Login Required | ⚠️ Often yes | ✅ Never |
| Your data sent to server | ⚠️ Sometimes | ✅ Never (browser-only) |
How We Make Money
We believe in full transparency about our business model:
1. Google AdSense
We display Google advertisements on our pages. These are clearly marked as ads. Ad revenue helps us keep the site free and running.
2. Affiliate Partnerships
We link to investment platforms like Groww, Zerodha, Kuvera, and Paytm Money. If you open an account through our link, we may receive a commission from them — at no extra cost to you. All affiliate links are clearly disclosed.
Important: Our affiliate relationships have absolutely zero influence on our calculator results or recommendations. We show you honest numbers regardless of which platform you choose — or whether you use any at all.
3. What We Will Never Do
- We will never show inflated returns to make affiliate products look better
- We will never sell your data to advertisers
- We will never put honest features behind a paywall
- We will never recommend a product just because it pays us more
Disclaimer
SIPtruth.com is an independent financial calculator website. We are not a SEBI-registered investment advisor, bank, or financial institution.
- All calculations are for illustrative purposes only
- Mutual fund investments are subject to market risks — read all scheme documents carefully
- LTCG tax estimates are approximate — consult a qualified CA for exact liability
- Past returns shown in examples do not guarantee future performance
- Interest rates used in EMI calculations are user-inputted and may differ from actual bank rates
Always consult a qualified financial advisor before making investment or borrowing decisions.
Ready to See Your Real Returns?
Use our free calculator — no login, no nonsense, just honest numbers.
Open the Calculator →Contact Us
Have a suggestion, found a bug, or want to partner with us?
- 📧 Email: hello@siptruth.com
- 🐦 We're building in public — follow our journey
We typically respond within 2–3 business days.