KitnaSIP is a free SIP calculator for Indian salaried investors. Unlike typical calculators, it not only works out the monthly SIP your goal needs (inflation-adjusted) but also checks it against what you can actually afford — then shows honest trade-offs to close the gap. No signup, no fund recommendations, just the math. https://kitnasip.in

Hey PH! 👋 I built KitnaSIP because every SIP calculator I tried did the same thing: tell you the monthly amount your goal "needs," and completely ignore whether you can actually afford it. You'd get a scary number, feel a little defeated, and close the tab. KitnaSIP fixes that gap. It inflation-adjusts your goal, works out the required SIP properly (a real month-by-month simulation, not a rough formula), then checks that number against what you can actually invest. If there's a gap, it shows honest trade-offs — more time, a smaller goal, a step-up SIP — instead of just leaving you with a number you can't hit. A few things I was deliberate about: - Free, no signup. - Never recommends specific mutual funds — just fund categories, with a nudge to a SEBI-registered adviser for anything personal. - Every assumption (return %, inflation, step-up) is visible and editable, never hidden in a black box. Building this solo — would genuinely love feedback, especially on whether the affordability check and trade-off suggestions feel useful (or if anything's confusing).

The inflation-adjusted math is genuinely refreshing, most calculators quietly skip that step. One thing I'd love to see is a quick "step-up SIP" toggle so I can model increasing my contribution by 10% each year, which is how most salaries actually grow. Would make the trade-off advice even more realistic for someone planning two decades out.

KitnaSIP

Know if your SIP goal is actually affordable

Know if your SIP goal is actually affordable